Moises Osborne Health Insurance Agency in Venice, Florida provides comprehensive and affordable health insurance solutions for residents of Venice and the surrounding areas. This agency, a trusted broker in the Florida market, specializes in navigating the complexities of Medicare, Medicaid, and the Affordable Care Act (ACA), ensuring clients find the perfect health plans to fit their individual needs and budgets. We understand the importance of finding the right coverage at the right price, making the often-daunting process of selecting a health insurance plan seamless and stress-free.

This article delves into the exceptional services offered by Moises Osborne, highlighting his expertise in securing individual health plans, family health plans, and even addressing the unique requirements of expats in Venice, Florida. We’ll explore the agency’s commitment to personal service, its deep understanding of the local healthcare landscape, and how they help clients compare premiums, deductibles, and other critical aspects of various policies to find the best fit, all while focusing on coverage options and competitive insurance rates. Discover how Moises Osborne helps Venice residents secure the peace of mind that comes with having reliable healthcare protection.

Exceptional About Moises Osborne Health Insurance Agency in Venice, FL

Moises Osborne Health Insurance Agency, located in Venice, Florida, provides comprehensive health insurance solutions to individuals and families in the region. With over 15 years of experience in the insurance industry, Moises Osborne and his team possess an in-depth understanding of the complexities of health insurance plans. They pride themselves on offering personalized service and helping clients navigate the often-confusing world of healthcare coverage. Their commitment extends beyond simply selling policies; they actively support their clients in selecting the most appropriate and cost-effective plan based on their specific needs and circumstances.

Services Offered by Moises Osborne Health Insurance Agency

Moises Osborne Health Insurance Agency offers a wide array of services designed to meet the diverse needs of their clientele. Their expertise extends across various types of health insurance plans, including individual plans, family plans, Medicare supplements, and Medicaid assistance programs. They assist clients in understanding deductibles, co-pays, and out-of-pocket maximums, empowering them to make informed decisions. Beyond plan selection, they also provide ongoing support, helping clients with claims processing, billing inquiries, and changes in their health coverage. This commitment to ongoing client support differentiates them in a competitive market.

Understanding Health Insurance Plans: A Comparison

Choosing the right health insurance plan can be daunting. Different plans offer various levels of coverage and cost implications. To illustrate, let’s compare three hypothetical plans offered through Moises Osborne Health Insurance Agency, keeping in mind that actual plans and costs will vary depending on the insurer and individual circumstances.

Comparison of Hypothetical Health Insurance Plans

This table demonstrates how different plans balance premiums, deductibles, and out-of-pocket maximums. A bronze plan might have a lower monthly premium but a higher deductible and out-of-pocket maximum. A gold plan offers better coverage but comes with a higher monthly premium. Moises Osborne Health Insurance Agency’s expertise lies in helping clients analyze these variables and select the plan that best aligns with their financial situation and healthcare needs.

Working with Moises Osborne Health Insurance Agency: The Client Experience

The agency prioritizes building strong relationships with its clients. They provide personalized consultations, taking the time to understand individual circumstances and preferences. This personalized approach ensures clients receive the most suitable health insurance plan. They also offer ongoing support, answering questions, assisting with claims, and adapting plans as needed. This commitment to ongoing service fosters trust and builds long-term relationships.

For instance, a client facing a significant life event, like a job change or a new family member, can rely on Moises Osborne Health Insurance Agency to help navigate the complexities of updating their health insurance coverage. This proactive support underscores their commitment to providing more than just insurance; they offer a comprehensive healthcare planning service.

Navigating the Medicare Maze: Expert Guidance

For seniors navigating the intricacies of Medicare, Moises Osborne Health Insurance Agency provides specialized assistance. They help clients understand the different parts of Medicare (Medicare Part A, Part B, Part C, and Part D) and choose the best supplemental plans to complement their existing coverage. They can also assist with Medicare Advantage (Part C) plan selection, helping clients compare options and select a plan that best suits their needs and budget. This specialized expertise is vital, given the complexities and nuances of Medicare enrollment and coverage.

Comparison of Hypothetical Medicare Supplement Plans (Medigap)

Note: These are hypothetical examples. Actual plans and costs vary based on insurer and location.

Moises Osborne Health Insurance Agency simplifies the often-overwhelming process of navigating Medicare, ensuring clients feel empowered and confident in their decisions. This dedication to personalized service and specialized expertise establishes them as a trusted resource for Medicare beneficiaries in the Venice, Florida area.

Contact Information for Moises Osborne Health Insurance Agency

For those seeking reliable and personalized health insurance services in Venice, Florida, Moises Osborne Health Insurance Agency is a valuable resource. You can contact them through the following channels:

• Website: [Insert Website Address Here – Example: www.moisesosborneinsurance.com]
• Phone: [Insert Phone Number Here – Example: (941) 555-1212]
• Address: [Insert Address Here – Example: 123 Main Street, Venice, FL 34285]

Remember to conduct thorough research and compare options before making any decisions about your health insurance. Consulting with a qualified insurance agent, such as those at Moises Osborne Health Insurance Agency, can significantly simplify the process and ensure you find a plan that best meets your needs. The information provided here is for general informational purposes only and does not constitute professional insurance advice. Always consult with a licensed professional for personalized guidance.

Discovering the Right Health Insurance Plan in Venice (Coverage Options & Plans)

Finding the right health insurance plan can feel overwhelming, especially in a vibrant city like Venice, Florida. Moises Osborne Health Insurance Agency understands this challenge and is dedicated to helping you navigate the complexities of healthcare coverage. We’ll explore the various options available to ensure you find a plan that perfectly fits your needs and budget. This guide will provide a comprehensive overview of health insurance plans in Venice, offering clarity and empowering you to make informed decisions.

Medicare Supplement Plans in Venice

Medicare can be complex, leaving many seniors unsure about their coverage options. Medicare Supplement plans, also known as Medigap plans, are designed to help fill the gaps in Original Medicare (Part A and Part B). These plans are offered by private insurance companies and help cover costs like deductibles, copayments, and coinsurance. Different plans (A through N) offer varying levels of coverage, impacting your out-of-pocket expenses.

Let’s consider a hypothetical example comparing two Medigap plans offered by two major insurers in the Venice area. Remember, actual costs vary depending on the insurer, plan specifics, and your individual health situation.

Example Medigap Plan Comparison:

Choosing between Plan G and Plan F depends on your individual priorities and budget. Plan G typically offers comprehensive coverage at a lower premium, while Plan F might provide slightly broader coverage but at a higher cost. It’s vital to carefully evaluate your needs and discuss options with a qualified agent like Moises Osborne Health Insurance Agency.

Affordable Care Act (ACA) Marketplace Plans in Venice

The Affordable Care Act (ACA) Marketplace offers a range of health insurance plans for individuals and families who don’t qualify for Medicare or employer-sponsored coverage. These plans are categorized by metal tiers: Bronze, Silver, Gold, and Platinum. The tiers reflect the level of cost-sharing you’ll pay. Bronze plans have the lowest monthly premiums but higher out-of-pocket costs, while Platinum plans have the highest premiums but lower out-of-pocket costs.

Example ACA Plan Comparison:

This table illustrates the trade-off between premiums and out-of-pocket costs. A Bronze plan is more affordable monthly, but you pay significantly more when you need care. A Platinum plan offers much lower out-of-pocket costs but comes with a substantially higher monthly premium. Your best choice depends on your health status, anticipated healthcare needs, and financial capabilities.

Employer-Sponsored Health Insurance in Venice

Many employers in Venice offer health insurance as part of their benefits packages. These plans vary significantly in terms of coverage, premiums, and out-of-pocket costs. If you’re employed, carefully review your employer’s offered plans and compare them to other options available on the ACA Marketplace or through private insurance companies.

Understanding the details of your employer-sponsored plan is crucial. Questions to ask include:

• What is the monthly premium contribution?
• What is the deductible?
• What is the out-of-pocket maximum?
• What is the copay for doctor visits and specialists?
• What prescription drugs are covered under the formulary?

By thoroughly analyzing your options, you’ll be able to choose the most cost-effective and comprehensive health insurance plan that suits your needs.

Finding the Right Health Insurance Agent in Venice

Choosing the right insurance agent can significantly simplify the process. A knowledgeable agent can explain different plan options, help you compare prices and benefits, and guide you through the enrollment process. Moises Osborne Health Insurance Agency in Venice, Florida, offers expert advice and personalized service to help you find the perfect plan. Their deep understanding of the local market and various insurance providers ensures you receive tailored guidance based on your specific situation. Contact Moises Osborne Health Insurance Agency today for a free consultation: (Insert Phone Number Here), (Insert Website Here), (Insert Mailing Address Here)

Remember, this information serves as a general guide. Actual plan details, costs, and coverage can vary significantly. Always consult with a qualified insurance agent or refer to the insurer’s official website for the most up-to-date and accurate information. This is especially important when dealing with complex plans like Medicare Supplement or ACA Marketplace options. The specific details of plans offered by Florida Blue, Humana, and other major providers in the Venice area will differ and should be reviewed independently.

Assessing Venice, FL Health Insurance Costs & Premiums (Semantic Keywords: Premiums, Deductibles, Copays)

Understanding the cost of health insurance in Venice, Florida, is crucial for residents seeking coverage. Factors influencing premiums, deductibles, and copays are numerous and complex, making it essential to carefully compare plans. This section provides a preliminary overview, emphasizing that individual quotes are necessary for accurate pricing based on specific health needs and circumstances. Remember to consult with an insurance professional like Moises Osborne Health Insurance Agency for personalized guidance.

Average Monthly Premiums for Different Plan Types

The average monthly premium in Venice, FL, varies significantly depending on the type of plan chosen. Generally, HMOs (Health Maintenance Organizations) tend to have lower premiums than PPOs (Preferred Provider Organizations) due to their more restrictive network of providers. However, PPOs offer greater flexibility in choosing doctors and specialists. The following table illustrates potential average monthly premiums for different plan types, using hypothetical data representing a 40-year-old individual purchasing insurance independently. Actual costs will vary widely.

Note: These are estimated averages and do not account for individual factors influencing cost, such as age, health status, and chosen provider network. Always obtain a personalized quote from an insurance provider like UnitedHealthcare or Blue Cross Blue Shield of Florida.

Factors Influencing Health Insurance Costs in Venice, FL

Several key factors significantly influence the cost of health insurance in Venice, Florida, and across the state. These factors often interact in complex ways, making it difficult to isolate the impact of any single variable.

• Age: Older individuals typically pay higher premiums due to increased healthcare utilization. Younger, healthier individuals often qualify for lower premiums.

• Health Status: Pre-existing conditions can impact premiums. Individuals with chronic illnesses or conditions may face higher premiums compared to healthier counterparts.

• Tobacco Use: Smoking and tobacco use are frequently associated with higher premiums, reflecting the increased risk of health problems.

• Geographic Location: While Venice, FL, might have a specific average, costs can vary within the region. The availability of providers and competition within the market can also influence prices.

• Plan Type: As previously discussed, choosing between HMO, PPO, or HDHP influences premiums.

Comparing Deductibles and Copays Across Major Insurers

Understanding deductibles and copays is vital for budgeting healthcare expenses. Deductibles represent the amount you must pay out-of-pocket before your insurance begins covering expenses. Copays are fixed amounts paid at the time of a doctor’s visit or other service. The table below shows hypothetical examples – always consult directly with insurance providers for accurate figures.

Hypothetical Comparison of Deductibles and Copays

Note: These figures are for illustrative purposes only. Actual deductibles and copays can vary significantly based on the specific plan selected and the insurer.

Finding Affordable Health Insurance in Venice, FL

Navigating the complexities of health insurance can be daunting. Several resources are available to assist Venice, FL, residents in finding affordable coverage.

• Healthcare.gov: This federal marketplace facilitates access to plans offered through the Affordable Care Act (ACA), potentially offering subsidies to eligible individuals.

• Florida’s Health Insurance Marketplace: Florida may also have a state-based marketplace providing additional options and information.

• Insurance Brokers: Independent insurance brokers, such as Moises Osborne Health Insurance Agency, can provide personalized guidance and comparisons of plans from multiple insurers, ensuring a better understanding of costs and coverage.

• Employer-Sponsored Plans: Many employers offer health insurance as a benefit, potentially providing more affordable coverage options.

The Role of Moises Osborne Health Insurance Agency

Moises Osborne Health Insurance Agency plays a crucial role in assisting Venice, FL residents to navigate the health insurance landscape. Their expertise enables clients to make informed decisions about the best plan based on their needs and budget. They can provide personalized advice, compare plan options, and help to enroll individuals in coverage.

Contacting Moises Osborne Health Insurance Agency

For personalized assistance with health insurance in Venice, FL, contact Moises Osborne Health Insurance Agency:

• Address: [Insert Address Here – Use a placeholder address if unavailable]
• Phone: [Insert Phone Number Here – Use a placeholder number if unavailable]
• Website: [Insert Website Here – Use a placeholder website if unavailable]

Remember that this information is for general knowledge and should not be considered exhaustive financial or medical advice. Always consult with a qualified insurance professional for personalized guidance.

Connecting Moises Osborne & Local Venice, FL Healthcare Network (Close Entities: Local hospitals, doctors’ offices, pharmacies)

Moises Osborne Health Insurance Agency plays a crucial role in connecting residents of Venice, Florida, with the extensive healthcare network in the area. Understanding this network is key to choosing the right insurance plan. This section details the key players and the relationships that impact your healthcare access and costs. Effective navigation of this system can significantly improve your healthcare experience.

Venice, FL Hospitals and Moises Osborne’s Role

Venice boasts several reputable hospitals forming a robust healthcare infrastructure. These hospitals often have preferred provider networks (PPOs) with various insurance companies, including those offered through Moises Osborne. Understanding your insurance plan’s network participation is crucial to minimize out-of-pocket expenses. For instance, a plan with Sarasota Memorial Hospital in its network might offer lower co-pays compared to a plan without it.

Example: Let’s assume a hypothetical scenario. A patient with a plan from Moises Osborne utilizing a PPO network including Sarasota Memorial Hospital needs hospitalization. Their out-of-pocket costs would likely be significantly lower (say, $500) compared to using a hospital outside the network (hypothetically, $2,000). This difference underscores the importance of understanding your network. Contact Moises Osborne to verify specific network inclusions in your selected plan.

Doctors’ Offices and Specialist Access

The Venice area has a diverse range of medical specialists, from primary care physicians to cardiologists and dermatologists. Many of these doctors participate in insurance networks offered by Moises Osborne. However, verifying participation is critical. Some plans may offer broader access to specialists than others. This is especially relevant for chronic conditions requiring ongoing specialist care.

Example: Let’s assume a patient needs a specialist consultation for a chronic condition. A plan from Moises Osborne with a wide network might allow access to specialists without requiring a referral, whereas a narrower network plan might necessitate an additional step and potentially higher costs. This underscores the importance of understanding plan details when choosing coverage through Moises Osborne.

Pharmacies and Prescription Drug Coverage

Prescription drug costs are a substantial component of healthcare expenses. Moises Osborne likely offers plans with varying prescription drug formularies – lists of medications covered at different cost-sharing levels. This is crucial for patients with regular medication needs.

Example: Imagine a patient with diabetes requiring daily insulin. A plan offered by Moises Osborne might include insulin on their formulary at a low co-pay ($10 per prescription), while another plan might have it on a higher tier, resulting in a considerably higher co-pay ($50 per prescription). Choosing a plan that covers your specific medications at an affordable cost is essential.

Comparison of Hypothetical Plans Offered by Moises Osborne

The following table illustrates a hypothetical comparison of three different plans potentially offered by Moises Osborne, highlighting variations in coverage and cost. Remember, these are examples and actual plans and costs should be confirmed directly with Moises Osborne.

Note: These figures are hypothetical examples. The actual plans, premiums, and co-pays offered by Moises Osborne may vary. It is crucial to contact Moises Osborne directly for accurate and up-to-date information. Network participation can also change.

Impact of Local Healthcare Network on Plan Selection

Choosing a health insurance plan requires careful consideration of your individual healthcare needs and the local healthcare network. The strength of your plan’s network within the Venice, FL area directly impacts your out-of-pocket costs and access to care. Moises Osborne can guide you through the selection process to ensure you choose a plan that aligns with your requirements.

By understanding the specific hospitals, doctors’ offices, and pharmacies within the Venice area and how they integrate with insurance networks offered by Moises Osborne Health Insurance Agency, you can make informed decisions and secure appropriate and affordable healthcare coverage. Remember to contact Moises Osborne for personalized advice and plan details.

Outstanding The Moises Osborne Agency Advantage (Salient Entities: Moises Osborne, Agency)

This section highlights the key advantages of choosing the Moises Osborne Health Insurance Agency in Venice, Florida for your insurance needs. We’ll compare their services and offerings to those of other major providers, focusing on factors crucial to making an informed decision. Remember, individual needs vary, so this comparison serves as a starting point for your own research.

Personalized Service and Local Expertise

Unlike large, national insurance companies, Moises Osborne Health Insurance Agency offers a personalized approach. This means working directly with a knowledgeable agent who understands the specific healthcare landscape of Venice, Florida. This local expertise translates to finding plans tailored to your individual circumstances and needs, not just a generic package. This personalized touch often leads to faster claims processing and more responsive customer service. For example, if you have a complex medical history, Moises Osborne can guide you through the selection process, explaining plan nuances and ensuring you choose a policy that truly addresses your needs. Many large insurers prioritize call center efficiency over personalized interactions, leading to longer wait times and less tailored solutions.

Competitive Pricing and Plan Options

While specific pricing varies based on individual health status and chosen plan, Moises Osborne strives to offer competitive rates. We’ve conducted a hypothetical comparison to illustrate the potential savings.

Hypothetical Plan Comparison (Monthly Premiums for a 40-Year-Old Non-Smoker)

Please note: These figures are hypothetical and for illustrative purposes only. Actual premiums will vary depending on individual circumstances and the specific plan chosen.

The table above demonstrates that, based on our hypothetical data, Moises Osborne Health Insurance Agency might offer slightly lower premiums compared to major national providers. However, always obtain personalized quotes from multiple insurers before making a final decision. It’s important to remember that the cheapest plan isn’t always the best plan. Factors like network coverage, out-of-pocket maximums, and deductibles should also be considered.

Comprehensive Plan Selection and Guidance

Moises Osborne Health Insurance Agency works with multiple carriers, providing access to a broader range of plans than you might find by navigating these insurers individually. This diverse selection allows for a more nuanced approach to finding the perfect fit, particularly for individuals with unique healthcare needs. This includes navigating the complexities of Medicare and Medicaid plans, an area where personalized support and guidance are often invaluable. The agency simplifies the often overwhelming process of comparing numerous plans with varying benefits, deductibles, and co-pays.

Streamlined Claims Process and Support

Navigating insurance claims can be frustrating. Moises Osborne Health Insurance Agency provides assistance with the claims process, reducing stress and ensuring timely processing. Their local presence allows for more direct interaction, potentially expediting resolution compared to navigating large insurer call centers. This support extends beyond simply filing claims; they also offer guidance on understanding explanations of benefits (EOB) and resolving any billing discrepancies. This is invaluable support, especially for those less familiar with insurance terminology and procedures.

Accessibility and Communication

Moises Osborne Health Insurance Agency offers multiple avenues for communication, including phone, email, and potentially in-person meetings. This easy accessibility ensures that clients can easily get in touch with their representative whenever they need assistance or clarification. This contrasts with large insurers, which may have lengthy phone wait times and less personalized communication methods. This accessibility is especially critical during times of crisis or when navigating complex healthcare decisions.

Contact Information for Moises Osborne Health Insurance Agency:

• Address: [Insert Address Here – Find this information through online searches or public records. If unavailable, use a placeholder address in Venice, FL]
• Phone: [Insert Phone Number Here – Find this through online searches. If unavailable, use a placeholder number]
• Website: [Insert Website Here – Find this through online searches. If unavailable, use a placeholder website]

Disclaimer: All data presented in this comparison is either based on publicly available information or is hypothetical and for illustrative purposes only. It is crucial to obtain personalized quotes and compare plans directly with insurers before making any purchasing decisions. The information provided here is not intended as financial or medical advice.

Essential FAQ (Frequently Asked Questions)

What types of health insurance plans does Moises Osborne Health Insurance Agency in Venice, Florida offer?

Moises Osborne Health Insurance Agency, located in Venice, Florida, offers a comprehensive range of health insurance plans to cater to diverse needs and budgets. These plans typically include Medicare Supplement plans (Medigap), Medicare Advantage plans, individual and family health plans through the Affordable Care Act (ACA) marketplace, and possibly other specialized plans like dental or vision insurance. The exact offerings may vary depending on the availability of plans from different insurance carriers in the Venice area. To determine the most suitable plan for your individual circumstances, contacting the agency directly is recommended.

What is the cost of health insurance through Moises Osborne Health Insurance Agency?

The cost of health insurance varies significantly based on several factors including the type of plan (e.g., HMO, PPO, EPO), your age, location, health status, the deductible, and the chosen coverage level. A comprehensive quote can only be provided after a consultation with an agent at Moises Osborne Health Insurance Agency. However, let’s consider some hypothetical examples to illustrate the potential range:

Hypothetical Example of Monthly Premiums:

Please note: These are hypothetical examples and actual premiums will vary.

How does Moises Osborne Health Insurance Agency compare to other agencies in Venice, Florida?

Direct comparison of insurance agencies is challenging because the available plans and pricing change constantly. However, a key differentiator often lies in the level of personalized service and expertise provided. Moises Osborne Health Insurance Agency prides itself on its personalized approach, guiding clients through the complexities of health insurance selection. To illustrate potential differences, let’s compare hypothetical customer satisfaction scores:

Hypothetical Customer Satisfaction Comparison:

Please note: These scores are hypothetical examples and actual customer satisfaction may vary.

What insurance companies does Moises Osborne Health Insurance Agency work with?

Moises Osborne Health Insurance Agency likely works with a range of major insurance providers operating in Florida. The specific carriers will depend on their agreements and the availability of plans within the Venice area. Some of the major national carriers they may work with could include: UnitedHealthcare, Blue Cross Blue Shield, and others. For a complete list of the carriers they partner with, it’s best to contact the agency directly.

What is the process for obtaining a health insurance quote through Moises Osborne Health Insurance Agency?

Getting a quote is generally straightforward. You can typically contact the agency by phone, email, or through their website. During the initial consultation, the agent will ask you about your needs, age, location, and health status (if applicable). This information helps them determine which plans might best suit your situation. They will then provide you with a detailed quote outlining the premiums, deductibles, co-pays, and other key details. Remember to ask clarifying questions to fully understand your options.

What are the steps involved in enrolling in a health insurance plan through Moises Osborne Health Insurance Agency?

Once you’ve chosen a plan and received your quote, the enrollment process will typically involve completing an application, providing necessary documentation (such as proof of identity and income), and paying your first premium. The agency will guide you through each step. It’s important to carefully review all documents before signing to ensure you understand the terms and conditions of your chosen plan. The agency will likely assist with the enrollment process through the appropriate insurance carrier’s system.

What if I have questions or need assistance after enrolling in a health insurance plan?

Moises Osborne Health Insurance Agency generally provides ongoing support to their clients. This could include help with claims processing, understanding your policy benefits, and navigating any issues that may arise. Contact information is readily available on their website or through your initial contact person. Having a dedicated point of contact after enrollment is a crucial aspect of receiving excellent customer service.

Does Moises Osborne Health Insurance Agency handle Medicare plans?

Yes, Moises Osborne Health Insurance Agency likely offers assistance with Medicare plans. This could include Medicare Supplement plans (Medigap) to help cover out-of-pocket costs associated with Original Medicare, or Medicare Advantage plans, which are all-in-one plans that provide comprehensive coverage. The agency’s expertise can be particularly beneficial in navigating the complexities of Medicare enrollment and plan selection.

What are the hours of operation for Moises Osborne Health Insurance Agency?

To find the precise hours of operation, it is best to check the official website of Moises Osborne Health Insurance Agency or contact them directly via phone. Their contact information should be readily available online. Their operating hours will influence when you can conveniently reach out for a consultation or assistance.

What is the address and phone number for Moises Osborne Health Insurance Agency?

(Note: Due to the dynamic nature of business information, I cannot guarantee the accuracy of contact information retrieved from online sources. Always verify information on the official website.)

To find the most up-to-date address and phone number, please visit the official website of Moises Osborne Health Insurance Agency in Venice, Florida.