American Health Options
We are your trusted guide to getting you the right coverage at a rate you can afford.
American Health Options is dedicated to finding you an affordable health insurance policy that fits your needs. We are contracted with most major companies in Florida, so we won’t push you towards a particular carrier for the sake of a commission.
Allow us to help you through the ACA/Marketplace options.
Self-employed individuals can find health insurance that keeps them going.
If you’re over 65 or have certain other qualifications, we’ll get you signed up.
Cover all your bases with dental, vision, or supplemental health insurance.
We’re here to help you protect what’s important. Ashley and Bill Ricca are here to match you and your family with a health insurance plan that addresses everything you need. Learn more about The Riccas and their dedication to excellence in healthcare coverage.
American Health Options is dedicated to finding you an affordable health insurance policy that fits your needs. We are contracted with most major companies in Florida, so we won’t push you towards a particular carrier for the sake of a commission.
Secure Your Health
Bill takes the time to explain in details especially with my situation where I have a pre-existing condition. Most insurance folks tell me what I want to hear, but not what I need to hear. Bill is very forthright determining if staying with a Cobra plan is better than selling me a plan his business provides. I appreciate his honest & straight forward approach - even if it's not what I want to hear. Nowadays that is so refreshing. Absolutely love Bill!!!
Bill and Ashley are amazing! I can’t stand dealing with insurance stuff but they made it as pleasant as possible. Bill was extremely informative, helped educate me, and truly provided us options that made sense for me and my family. I wouldn’t go anywhere else for insurance and highly recommend!
First time buying coverage for myself and spouse in 20 years. Bill is VERY knowledgeable and has a structured process to help you sift through the 100's of available insurance products to determine the best one for you. Highly recommended.
Ashley and Bill were incredible to work with. They are kind, knowledgeable and detail oriented. They took a lot of time going over what the best plan for us was. I didn’t feel rushed or pressured to make a decision. Even after our plan was in place they were still available for questions. I highly recommend their services
Bill and Ashley are amazing! I can’t stand dealing with insurance stuff but they made it as pleasant as possible. Bill was extremely informative, helped educate me, and truly provided us options that made sense for me and my family. I wouldn’t go anywhere else for insurance and highly recommend!
Bill is a total blessing! He makes the whole confusing, scary, headache of insurance actually make sense and ours your mind at ease! If I could give 1,000,000 gold stars, I would!
There’s no shame in asking questions. In fact, we encourage them. Here are some of the most frequent things we’re asked as well as some common misconceptions we clear up.
While there are many different types of health insurance on the individual market, most do NOT cover pre-existing conditions. The term “pre-existing condition” refers to any condition, symptom, etc. that existed prior to the effective date. Each type of plan has its own determined policy outline as to how it will (or will not) provide coverage for pre-existing conditions.
“ObamaCare” is a colloquial term that refers to plans that meet the requirements of the Affordable Care Act legislation. Everyone is eligible for these plans. However, estimated taxable income is utilized to determine how much assistance one is eligible for, if any.
You can cancel a plan any time you like. And most of the off-exchange plans can be written any time during the year. However, they do come with restrictions on coverage. Enrollment eligibility for ACA/Marketplace plans is limited to the Open Enrollment Period, unless you have a qualified life event.
Many don’t know the difference, but it’s dangerous when someone thinks they know, and are incorrect. The difference between an HMO and a PPO lies in how the plan performs should you end up at a medical facility that is out-of-network. With a PPO, a secondary set of benefits provides coverage in this event. However, with an HMO, there is typically no coverage at all outside of the network.
This term is often misunderstood as the point at which the insurance plan “takes over” payment for medical expenses. That is actually what is referred to as the “maximum out-of-pocket”. More specifically, the deductible is the financial threshold one must meet before the plan starts contributing at a predetermined percentage for any expenses subject to the deductible. Unfortunately, there are many off-exchange plans that offer “no annual deductible” as a benefit, which is misleading and dangerous as these plans usually have no maximum out-of-pocket, and therefore, no catastrophic coverage at all.
Health insurance is not intended to make medical care less expensive, but rather cap annual expenses in the event of catastrophic loss. Increasing comprehensive care to include low cost copays can be done, but is more expensive.
Carriers are large insurance companies that host hundreds of networks. Providers may contract with some networks within a particular carrier, but not all. So, while a provider may accept some plans with a particular carrier, they may not accept others from the same carrier. Always check.
Many refer to non-ACA plans as “private” health insurance, and ACA plans as “government” insurance. However, the ACA/Marketplace is made up of ONLY private plans, as well. The only “government” plans are Medicare, Medicaid, and VA Benefits.
Many people think they don’t qualify for monthly premium assistance on the ACA/Marketplace, when they actually do.
Email us, give us a call, shoot us a text, or send us a carrier pigeon and we'll get back to you!
Find the best health insurance plan for YOU by working with American Health Options.