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A doctor network, or provider network, is a catalog of hospitals, doctors, and other healthcare professionals that are covered with your health insurance. Each office has a contract with health insurance companies to offer care at a discounted rate. Michelle Bungo explains that the providers on the list are considered to be “in-network” and are your best chance at landing affordable care. If you choose to go “out-of-network,” your bill may be partially covered or not covered at all.

When choosing your health insurance plan, consider the four types of networks available:

HMOs only cover healthcare costs from in-network providers and require referrals for seeing specialists. …

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A Health Savings Account, or HSA, is a valuable tool to save for medical expenses while reducing your taxable income. In order to qualify for an HSA, you must be enrolled in a high-deductible health insurance plan (HDHP). The IRS sets the minimum deductible and the maximum amount that the plan holder can spend out-of-pocket for HDHPs. Plans with a high deductible don’t always guarantee that the enrollee will have access to a Health Savings Account.

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Florida Health Care Plans (FHCP) is the second oldest HMO in the nation, providing innovative and affordable plans that Michelle Bungo can help you make the most of.

There are many ways to get health insurance, whether that be through your employer, the government, or privately. If you choose to get coverage through FHCP, a small business health insurance provider in Florida, there are a few ways to maximize the use of your benefits. Experienced health insurance agent, Michelle Bungo, explains.

Members will have access to a large network of providers that offer quality care. Staying in-network with authorized healthcare providers will keep costs low. It will also make sure that your family is with professionals who are familiar with your PHCP plans.

Find good healthcare coverage that fits into your budget using Michelle Bungo’s recommendations.

A good health insurance plan doesn’t necessarily have to come with high premium prices. With so many options, it can be difficult finding the right plan for your budget and needs. Health insurance agent, Michelle Bungo, still recommends looking for the best possible option during each enrollment period. Finding an affordable plan might be easier than you imagined!

Budget & Research

The first step towards finding an affordable health insurance plan is setting your budget. Michelle Bungo recommends determining how much you currently spend on health insurance annually, including premiums and out of pocket costs. …

Open enrollment may be over, but health insurance agent, Michelle Bungo, explains qualifying life events that may help you stay covered

The Open Enrollment Period (OEP) for health insurance typically lasts between November 1st and December 15th. This small window of time is the only opportunity to switch or find new coverage. However, due to various circumstances, many individuals find themselves needing coverage at other times in the year. Licensed health insurance agent, Michelle Bungo, explains which qualifying events will allow you to enroll outside of OEP.

There are a handful of specific life events that can make someone qualified for a Special Enrollment Period (SEP). Michelle Bungo notes that most qualifications require you to have had health insurance previously, although there are a few instances for exceptions. …

It can be tempting to avoid another monthly bill; however, Michelle Bungo explains three reasons why you should keep your health coverage.

In 2019, individuals no longer feared a tax penalty for not having adequate health insurance in the United States. The end of that Obamacare mandate seemed like good news for some, but in reality, every person should still have health insurance. Even those who are young and healthy greatly benefit from coverage in the event of a catastrophe or illness. Health insurance agent, Michelle Bungo, explains three major reasons why people should have health insurance.

Financial Risk

In the United States, medical care is costly without insurance. Even care for small injuries can come with a hefty price tag. A broken bone alone can cost around $8,000. More significant injuries that require a hospital stay can run your bill upwards of tens of thousands of dollars. …

Find out what Open Enrollment means with insight from health insurance agent Michelle Bungo.

Open Enrollment announcements are everywhere. You’ve probably heard about it on TV commercials, radio announcements, and on the internet. But what is Open Enrollment, and how can it impact you? Health insurance agent Michelle Bungo answers common questions about Open Enrollment to help you prepare for 2020.

For most states, the Open Enrollment Period (OEP) starts November 1st and ends December 15th. This six week period is the only time of year that people can register for health insurance plans. Michelle Bungo explains that the only exception to this rule is if you experience a qualifying life event. …

Health insurance agent, Michelle Bungo, explains short and long-term healthcare options for the self-employed.

When people are looking for a job, they are also looking into the benefits it offers. Being your own boss means having a flexible schedule and pursuing passionate work. It also leaves you to figure out things like health insurance all on your own. Health insurance agent, Michelle Bungo, walks you through different ways to get good coverage while being self-employed.

Short-Term Coverage

For those who are only planning to be self-employed for a short period, there are still health insurance options available to you. …

Health insurance plans for each stage of a young adult’s life as explained by health insurance agent Michelle Bungo.

College is meant to prepare young adults for entrance into the workforce, but it usually doesn’t educate students on how or when to buy health insurance. Millennials may be young and healthy, but they still need a health plan that fits their budget and needs. Health insurance agent, Michelle Bungo, reveals four adult phases and the popular insurance options for each.


At this age, millennials can stay on their parent’s family plan until they turn 26 years old. Staying on the family plan is the cheapest and easiest option of staying covered. Additionally, they usually have better coverage that reaches beyond just catastrophic events. Michelle Bungo notes that even if you’re married, you can stay on your parent’s plan if you’re under 26. …

Healthcare insurance agent, Michelle Bungo, covers five topics that will help you choose the right insurance plan for your needs.

Shopping for the best healthcare insurance policy is a daunting task for the majority of Americans. There is an abundance of different plans and options to choose from. Finding the right one for your budget and needs, however, can feel like searching for a needle in a haystack. Healthcare insurance agent Michelle Bungo, goes over the top 5 things to look for when shopping for health insurance.

1. The Premium

The premium is the fixed monthly cost you will pay for a health insurance policy. Typically, insurance policies with minimal coverage will have lower premiums. More inclusive policies will have higher premiums. When deciding on the premium to pay, Michelle Bungo suggests choosing the premium that covers the healthcare services you need. …


Michelle Bungo

Michelle Bungo is a licensed health insurance agent in Coral Springs, FL

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