Health Insurance

Our selection of individual and family health insurance plans offers you the perfect coverage. It's important to make sure your health insurance fits your lifestyle, helps you get the best care possible and meets your financial needs. Get free quotes for low-cost family and individual health insurance plans. At Sol y Mar Insurance we can help you to find the best Health insurance Company that best serve your needs and your pocket at the sametime, either from private market or Obamacare, call us today. Shopping for individual and family health insurance can be easy with Sol y Mar Insurance.

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Health Insurance Quotes: For get your best Health Insurance quotes, Please fill our short form, call us to ‪(954) 367-5691‬ or you can also send us an email.

Note: Your details are kept strictly confidential as per our Company Privacy Policy.

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Health Insurance Policy Is

A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (e.g. an employer or a community organization).

PREMIUM: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage.
DEDUCTIBLE: The amount that the insured must payout-of-pocket before the health insurer pays its share.
CO-PAYMENT: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service.
COINSURANCE: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay.
EXCLUSIONS: Not all services are covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets.
COVERAGE LIMITS: Some health insurance policies only pay for health care up to a certain dollar amount.
OUT-OF-POCKET MAXIMA: Similar to coverage limits, except that in this case, the insured person’s payment obligation ends when they reach the out-of-pocket maximum, and health insurance pays all further covered costs.
PRIOR AUTORIZATION: A certification or authorization that an insurer provides prior to medical service occurring. Obtaining an authorization means that the insurer is obligated to pay for the service, assuming it matches what was authorized. Many smaller, routine services do not require authorization.