|
Florida Health Insurance
Traditional - HSA - Catastrophic Plans |
- Choose the right and best plan for you and or your family.
- Individual, Family & Child Only Plans
- Large selection of individual health insurance plans and medical insurance plans.
- Compare individual health insurance plans and benefits to find the best match for you.
- Best prices available - get a free instant health insurance plan quote
- Safe, secure and easy online applications for individual health insurance plans
- Learn More about HSA's
|
|
NEW!! From now until 12/20/08, in appreciation to new clients, new clients will receive a FREE appreciation gift card from a store of their choice ( click to see a list of participating retailers) on all approved and accepted applications. In turn we thank you and appreciate you doing business with us.
|
Looking to lower your premiums?? Try These: |
Tired of paying for the bells and wistles? HIgher deductible and limited office visits. This will lower your cost about 20% - 40%
Get a Quote and Apply Today
|
|
Just want to protect yourself from the worst case scenario but still want to get your annual checkup? Lowers your cost 30% - 60%
Get a Quote and Apply Today
|
Get AFLAC For the Individual, Family and Sole Proprietor
Visit the HSA Center
Common Terms:
| Health Plan |
A health plan provides insurance protection against illnesses or injuries, and supplements the cost of preventive care such as routine checkups. |
| |
|
| Premium |
A monthly, quarterly or semi-annual payment required to secure a health plan. Premium is based on variables like the number of people to insure, health information/history and the cost of care in your rating area. |
| |
|
| Deductible |
The amount of covered expense that a covered person must incur in a calendar year and is responsible to pay before we pay certain benefits. |
| |
|
| Coinsurance |
The portion of covered expenses a covered person must pay in addition to any copayments and deductible. |
| |
|
| Copayment |
A specified dollar amount to be paid by a covered person to a provider toward covered expenses of certain benefits. |
| |
|
| Out-of-Pocket Limit |
Individual Major Medical (IMM): The portion of coinsurance a covered person pays for certain services before we begin paying at 100%, less deductibles and copays.
High Deductible Health Plan (HDHP): The portion of coinsurance a covered person pays for certain services before we begin paying at 100%, including deductibles and copays. |
| |
|
| Network Provider |
A hospital, health care treatment facility, health care practitioner or other provider who is designated as such and has a signed agreement with us, or who has been designated by us to provide services to covered persons. |
| |
|
| Rating Area |
This is an area used for determining premium rates, usually by ZIP Code. The premium is based on the average health care costs and physician/hospital discounts in that area. |
| |
|
| Maximum Allowable Fee |
The lesser of:
- The fee charged by the provider for the services;
- The fee that has been negotiated with the provider whether directly or through one or more intermediaries, or shared savings contracts for the services;
- The fee established by us by comparing rates from one or more regional or national databases or schedules for the same or similar services from a geographic area determined by us;
- The fee based on rates negotiated by us or other payors with one or more network providers in a geographic area determined by us for the same or similar services;
- The fee equal to the provider’s costs for providing the same or similar services as reported by such provider in its most recent publicly available Medicare cost report submitted to the Centers for Medicare and Medicaid Services (CMS) annually; or
- The fee based on a percentage determined by us of the fee Medicare allows for the same or similar services provided in the same geographic area.
|
|
