• Help you, our neighbors, understand health insurance better.
  • Provide you with the resources you need, including online quote comparison, to make informed decisions.
  • Give you confidence and security, in knowing someone will always be on your side in the insurance marketplace.

    • We achieve these goals through information provided throughout are our site. We allow you to compare quotes from the major health insurance companies, and to apply online directly with the company of your choosing. We are also available by phone during the business week to answer any questions you may have. We are available to answer questions online 24 hours a day, 7 days a week, you can also compare quotes, and apply online 24 hours a day, 7 days a week.

    Now on to some simple information about individual health insurance in the state of Florida.

    Why would you choose individual/family insurance over group insurance?

    • If health insurance is not provided to you by an employer on a group plan.
    • You are a small business that does not have enough employees to justify enrolling in and paying for a group plan.
    • You recently lost your job, are healthy and do not wish to choose COBRA because it is too expensive.
    • If your employer does not pay for your spouse/dependents and you want to find something more affordable than what they are offering.

    What benefits do these plans offer compared to a group plan?

    • They are portable. The health insurance plan is yours to keep, even if you leave the company you are working for.
    • You are able to tailor the plans to your specific needs.

    What kind of plans are there?

    1. Flat or High Deductible plans:

    • You will have a deductible of your choosing. They typically range anywhere from $500 to $10,000.
    • The most popular flat deductible plan is a 100% plan. An example of it is below.
    • Less the deductible you choose, the plan covers you for major medical bills.
      Room
      and Board, Intensive Care Unit, Operating Room, and Recovery Room
      		100% Coverage
      Professional
      Fees of Doctors, Surgeons, Nurses       		100% Coverage
      Radiation,
      Chemotherapy, and Inpatient Drugs       		100% Coverage
      Inpatient
      Diagnostic Testing       		100% Coverage
      Surgeon,
      Assistant Surgeon, and Facility Fees       		100% Coverage
      Hemodialysis,
      Radiation, Chemotherapy, and Organ Transplant Drugs       		100% Coverage
      Cat Scans,
      MRIs       		100% Coverage
      Inpatient/Outpatient
      X-ray and Lab       		100% Coverage
      Emergency
      Room Fees       		100% Coverage
      Prescription
      Drugs       		100% Coverage
      Mammography,
      Pap Smear, and PSA       		100% Coverage usually on co
      pay basis

    2. Co-pay plans:

    • Includes a major medical deductible, but also provide a low cost payment option to minimize the cost of regular doctor’s visits and prescriptions.
    • A copay is a flat dollar amount that needs to be paid to a health care provider for services rendered.
    • For example:
      • A visit to a any covered doctor would be $30 *(co-pays vary per company)
      • Generic prescription drugs would always be $15 for a 30 day supply *(co-pays vary per company)
      • Brand name prescription drugs would always be $40 for a 30 day supply *(co-pays vary per company)

    3. HSA Plans:

    • Very similar to the “Flat” or “High Deductible” plan. However it also gives you the ability to pay for current medical expenses and save for future qualified medical expenses on a tax free basis.
    • To qualify your individual deductible should be a minimum of $1000. For families a minimum of $2000.
    • The maximums are and have been as follows:

      2007: $2850 for an individual

      $5650 for a family

      2008: $2900 for an individual

      $5800 for a family

    Contact us with any questions and visit us anytime!

    www.floridashealthinsurance.com

    Michael K. Edwall
    Florida Life, Health, Annuities Agent
    Creator of FloridasHealthInsurance.com

    Tags: multi plan comparison health insurance, multi quote health insurance, side by side plan comparison, side by side health quotes, side by side health quotes Florida, best service health insurance agent, Cheap Insurance, Cheap Health Insurance, Cheap Medical Insurance, Cheap doctors insurance, cheap hospital insurance, cheap dental insurance