Medical and Health Insurance
Group Health Carriers
- Aetna
- AvMed Health Plans
- Blue Cross of Florida
- Cigna
- Humana
- United Healthcare
The major group carriers listed above offer Florida businesses a wide array of Medical Heath plan options. From Managed Care programs to Fee for Service plans, employers can select the plan and premiums that will fit their healthcare budget.
In order to receive a Group Medical Quote, please fill out our Group Census Form.
Individual Health Carriers
- Aetna
- Cigna
- Humana
- United Healthcare
The major carriers listed above offer Florida Individuals and their families a large selection of Medical Heath plans. From Managed Care plans to Health Savings Accounts, individuals can select the plan and premiums that will fit their healthcare budget.
In order to receive an Individual or Family Quote, please fill out our Quote Request Form.
Types of Health Care Options
-
Managed Care: Almost all plans have some sort of managed care programs to help control costs. For example, in managed care programs, a member would need to acquire a referral from the insurance company for admittance to a hospital. If a member was admitted to a hospital without prior approval, the member may not be covered.
-
Fee-for-Service: (Group-only) These are the traditional health care policies. With fee-for-service, the insurer only pays for part of your doctor and hospital bills. Fee-for-service plans contain deductibles, coinsurance and out of pocket maximums.
-
HMOs: Health Maintenance Organizations are prepaid health plans. As an HMO member, you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors’ visits, hospital stays, emergency care, surgery, lab tests, x-rays and therapy. HMOs cover most preventive care, including mammograms, well-baby visits and physicals.
-
POSs: Point of Service plans are HMOs with an indemnity-type option. Primary doctors are able to refer patients in and out of network. The patient’s cost will be more expensive if they go out of network.
-
PPOs: The preferred provider organization is a combination of traditional fee-for-service and an HMO. Like an HMO, there are a limited number of doctors and hospitals to choose from. When you use in network providers, most of your medical bills are covered. If a member uses out of network providers, they will pay a larger portion of the bill and also need to file claim forms to the insurance company.
-
Health Savings Accounts: HSAs are savings accounts that are compatible with high deductible health plans. Members use tax deferred monies to pay for medical services throughout the year. The medical benefits cannot include set fees, such as co-payments for office visits or medical services, except for prescriptions.