Defillo Life and Health

09/26/2026

09/21/2026

ACA or Non-ACA — What’s the Difference?
ACA (Affordable Care Act) plans offer comprehensive coverage, including pre-existing conditions, prescriptions, preventive care, maternity, and more. Enrollment is during specific periods unless you qualify for a Special Enrollment Period.
Non-ACA plans may be available year-round and can be more affordable, but may have coverage limitations and require medical underwriting.
Every situation is different. The right plan is the one that fits your needs and your budget.

Live well. Insure wisely.
Maria R. Defillo
Text (305) 595-2954
And I will call you back.

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09/04/2026

ACA vs. Short-Term Health Insurance Plans: Quick Guide

​Looking at health coverage options? Here is a quick side-by-side comparison:

​Urgent Care & Hospitalizations: Covered by ACA; limited, excluded, or subject to medical underwriting on short-term plans.

​Surgeries & Outpatient Services: Covered by ACA; limited, excluded, or subject to medical underwriting on short-term plans.

​Enrollment & Monthly Cost: Short-term plans are available year-round with generally lower base premiums; ACA enrollment has set periods, but income-based subsidies can significantly lower monthly premiums.

​Acceptance: ACA plans feature automatic acceptance (guaranteed issue); short-term plans require medical underwriting approval.

​Essential Health Benefits: ACA covers maternity, mental health, and substance-use treatment; short-term plans exclude them.

​Preventive Care: Annual wellness exams are covered at 100% under ACA; coverage varies or is omitted on short-term plans.

​Pre-Existing Conditions: Fully covered by ACA; excluded on short-term plans.

​Have questions about which option best fits your health needs and budget?

​💬 Send a direct message or connect via WhatsApp with Maria at (305) 595-2954 for personalized guidance.

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08/28/2026

When the world news makes no sense or simply feels overwhelming, I take my happy pills— I am grateful for my life, loved ones and for a little dose of color that makes me smile.

🌸🌸🌸🌸

08/26/2026

I hope life treats you kind.
~Dolly Parton 1946-2026 🤍🕊

07/17/2026

Looking for personalized insurance guidance?

Maria R. Defillo Insurance Services

• Life Insurance ✅️
• Health Insurance ✅️
• Dental Insurance ✅️
• Medicare ✅️

Friendly, personalized service to help you understand your options and choose the coverage that's right for you.

📲Text to schedule a phone appointment:
(305) 595-2954

06/16/2026

Life pulls us in a hundred directions, each voice certain, each screen demanding attention.

Some messages help us grow, others leave us more confused than before.

Today, everyone is an expert, an entertainer, an influencer competing for our time, our clicks, our attention.

Most are simply trying to make a living, but somewhere in the noise, it becomes easy to lose ourselves.

So disconnect for a while.

Put the phone down. Go outside. Play. Spend time with people you love. Take a deep breath. Read a good book. Listen to the birds. Watch a sunset.

The world will still be there when you return.

Find your balance. Your peace. Your own voice amid the noise. 🌸

--♡--♡--♡--♡--

Maria R. Defillo
Life, Health, Medicare
Insurance Services
Text: (305) 595-2954
www.DefilloInsurance.com

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06/14/2026

On mini adventure, always see something interesting.
Gotta love 🌸🙂
Rally is super cute.

Rally

05/25/2026

“Memorial Day is a reminder that freedom has never been free. Today we pause to remember the brave souls who served, sacrificed, and never made it home. Their courage will never be forgotten.”
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“El Día de los Caídos nos recuerda que la libertad nunca ha sido gratis. Hoy hacemos una pausa para recordar a las valientes almas que sirvieron, se sacrificaron y nunca regresaron a casa. Su valentía jamás será olvidada.”