Naples Health Insurance

Kast Health Insurance Agency is dedicated to making sure our clients can get “real” affordable insurance coverage with no surprises.  Therefore, we offer a multitude of products and keep up with insurance laws and regulations so that you don’t have to.  Too often people find themselves with junk insurance, surprise bills or just simply not being covered.  As a result, we are committed to making sure that all of our customers understand what products make sense for them.

 We have been providing health insurance to the local Naples market and the surrounding areas of Bonita Springs, Marco Island, Estero, and Ft. Myers since 2005.  We have local knowledge and will show you all health coverage options available and simplify the application process. Our experienced professionals can help you get the most for your money. We offer:

Affordable Care Act Plans

The Affordable Care Act Plan was passed March 23rd 2010. It provides coverage coverage for Preexisting conditions and also offers subsidies to reduce the monthly premium and out of pocket costs.

The premium subsidy is called The Premium tax credit. It was implemented to help individuals and families with low or moderate income afford health insurance.

The other subsidy is called The Cost Sharing Reduction (CSR). Cost Sharing Subsidies are paid directly from the federal government to the insurer. After all, what good is an insurance policy with a $10,000 deductible if you earn $20,000 per year.

All Affordable Car Act Plans must cover those with pre-existing conditions, even on day one of coverage. All have 10 essential benefits as designated by congress. These benefits are:

          • Outpatient services
          • Emergency services
          • Hospitalization
          • Maternity/newborn care
          • Mental health/substance abuse
          • Prescription drugs
          • Rehab services
          • Lab
          • Preventative/wellness
          • Pediatric services
Medicare Plans

Medicare plans are a hybrid between the government and private plans. The government sponsors part A and B coverage. Private plans offer Supplements, Part C, and Part D plans. If you are eligible for Medicare, it will be critical to get educated on your choices before committing. You have two distinct choices:

          1. Stick with Traditional (Original) Medicare Part A and B. Add a Prescription Drug Plan (Part D). Add a Medicare Supplement.
          2. Purchase Part C coverage (Medicare Advantage).

There are big differences between both, and in some cases, you may never be able to change your choice. We can educate you and help you proceed in the best way possible for your situation.

Alternative Options

Alternative Options refer to options outside of Obamacare or Affordable Care Act plans. Usually, these options include Short Term Plans, Christian Health-sharing, Critical Illness/Cancer Plans, Limited Indemnity Plans, and Association Plans. There are few real options that will cover individuals in the same manner that people are used to seeing under group plans or individual ACA plans. It seems that more and more there are “holes” in the newer plans and gaps in coverage. Prescription drugs are rarely covered outside of Affordable Care Act Plans. If there is coverage, there are severe limitations, generally $3000/yr maximums or less. Should a person have cancer, would $3000/yr be enough to cover the drugs? This is a question many people will need to consider before moving forward on such options. But in any case, you will understand your plan before purchasing and we can be your advocate.

Short Term Plans

Many companies sell short term plans. These plans are very limited, though they have been extended (in some cases) to 3 years of coverage. Anyone with pre-existing conditions should know that they will not be covered for anything that has been diagnosed with in the past, or even anything they should have known about. This includes if you have been taking drugs for high blood pressure, and it is controlled. Drug, mental health, and maternity coverage are limited if they exist at all. Insurance companies will tell you “these plans are not for everybody” and they mean it. Short term plans are meant as a “band aid” to cover between other policies. We can help you if you have the need.

Christian Health sharing Plans

Most importantly, Christian Health sharing is not considered insurance.   These plans are based on Christian faith, and as such, you will need to sign a “statement of faith” in most cases. These plans are becoming more popular because they are actually written into the Affordable Care Act and considered legitimate health coverage options. Interestingly, some of these plans eliminate pre-existing condition exclusions after a period of time (unlike short term plans today), and can be a realistic way to count on help to cover health care costs for an unexpected incident. However, since they are not insurance, they are not regulated by the state insurance commissions, so there is an element of financial risk that they can go out of business. In addition, most do not cover Rx or have drastic limitations. We can help you fully understand the process and what to expect.