Q&A

  • Do I have to offer benefits to all employees if I offer them to some?
    • Yes, government mandates require that you offer all employees benefits so as not to discriminate.
  • What is the minimum I (as the employer) can pay towards my employees' coverage?
    • The minimum is 50%.
  • If I am a smaller company and don't want to offer full health coverage just yet, do I have other options to help my employees?
    • Yes, you can offer ancillary coverage such as vision, dental, and life among others.
  • How do I know my benefits will always be the best-case scenario for my employees?
    • Sync will always search through all carriers every year to be sure that your renewal plan is the best fit for your company and employees.
  • Why SYNC?
    • We are focused on providing Florida Health Insurance with Florida Blue by offering products aimed at complying with the Affordable Care Act (Obamacare) regulations on and off the Marketplace. We also write Medicare Supplements, Part D, Rx Plans and Medicare Advantage Plans. In addition, we look at Critical Illness, Accident Policies, Dental, International Health Coverage with GeoBlue and vision plans.
  • Why should I use an agent?
    • We understand that your time is valuable and worrying about insurance distracts from the core demands of running your business. Plus, you want to make sure you get the best deal possible and one that works best for you and your family. Navigating the government's Marketplace website and researching the plans available in your county can be very time consuming. Taking advantage of the knowledge our agents have about the plans and current laws comes at no additional cost to you and could save you a lot of time and money.
  • What are the Open Enrollment dates for Individual Insurance with the Affordable Care Act?
    • This year it is November 01, 2018 to December 15, 2018, with an effective date of January 1, 2019. Remember, you'll be locked into the plan you choose for an entire year unless you have a qualifying event.
  • What are the most common qualifying events for a "Special Enrollment Period" (SEP) to enroll for coverage outside the open enrollment dates?
    • All qualifying events allow a member 60 days to enroll from the date of the event. The most common, but not limited to only these, are: Loss of coverage, birth, marriage, permanent move, Medicaid/CHIP denial and release from incarceration. Call us to see if your situation equals to a qualifying event.
  • What carriers can you quote for individual coverage?
    • We are exclusive agents with Florida Blue.
  • What information do you need to give me a quote?
    • Your legal name, gender, date of birth, resident zip code, county of residence, and whether you're a smoker or non-smoker.
  • What is the Marketplace?
    • It is a web-based service run by the government where you can go and choose a health insurance plan. In most states, such as Florida, individuals can use the www.healthcare.gov website to find a plan. What is a subsidy (advance premium tax credit)? On the Marketplace you can apply to determine if you qualify for coverage through Medicaid, the Children's Health Insurance Program (CHIP) as well as any premium tax credits.