Ask the Expert!
John Douglas Insurance & Financial Group
Your name Ethan Messer
Business Name John Douglas Insurance & Financial Group
Business Name John Douglas Insurance & Financial Group
Services you provide:
Health Insurance, Medicare Advantage, Medicare Supplements, Dental Insurance, Life Insurance, Auto Insurance, Homeowners Insurance, Business Insurance, Group Benefits, Retirement Planning, 401k Rollovers, Simple IRAs, Financial Planning
Contact information
Janet Fortune
janet@johndouglasinsurance.com
janet@johndouglasinsurance.com
850/769-7785
Regarding your area of expertise in insurance, what’s something that non-experts believe that they’re actually mistaken about?
One common area of confusion is the Affordable Care Act (ACA). Many people are unaware that the ACA has significantly enhanced the accessibility and affordability of health insurance. For example, millions of Floridians now qualify for tax subsidies to help cover their health insurance costs.
What are the most commonly asked questions you get regarding insurance?
"How much will it cost?"
"Is my doctor covered?"
How do you respond?
Of course, each individuals’ unique needs determine responses. However, there are some responses that are universal, such as:
• Cost depends on things like how big the household is, if there are any dependents, annual income, and which plan fits the individual’s needs best.
• Provider Coverage: During the enrollment process, our agents can check to ensure the existing providers are in the plan’s network.
• Cost depends on things like how big the household is, if there are any dependents, annual income, and which plan fits the individual’s needs best.
• Provider Coverage: During the enrollment process, our agents can check to ensure the existing providers are in the plan’s network.
What's another question people ask you about insurance?
What is the Open Enrollment Period (OEP) and Medicare Annual Election Period (AEP)?
Please explain why what you do is important to a homeowner or resident.
We offer a suite of insurance and financial services to protect your most valuable assets: your health, your home, and your financial security.
What are some "do's and don'ts" you would tell clients regarding your business?
Do—ask questions: asking questions helps you understand your options better.
Do—review your policies to ensure your current policy still meets your current needs, circumstances, and goals.
Do—keep us updated: if your contact information changes, let us know so we can reach you.
Do --plan ahead. It gives you time to compare plans, figure out what they cover, and pick the one that fits your health and budget best. Do—review your policies to ensure your current policy still meets your current needs, circumstances, and goals.
Do—keep us updated: if your contact information changes, let us know so we can reach you.
Don’t—assume you’re covered for anything: read through your policies to understand what is and isn’t covered and don’t hesitate to ask for clarification.
Don’t—ignore policy updates: if you receive changes to a policy, it is imperative for you to read and understand them.
Don’t—ignore policy updates: if you receive changes to a policy, it is imperative for you to read and understand them.
Anything else residents should know about your area of expertise?
Timing is everything when it comes to AEP and OEP. These are your chances to enroll or tweak your insurance plans for the year ahead. Starting early allows time for you to gather all your paperwork and chat with licensed agents. They're here to untangle the insurance maze, whether you're looking at Medicare, checking out health plans, or thinking about new coverage needs. Get your documents, such as IDs, income details, and existing policy information ready early. It makes the enrollment process smoother when decision time comes.