Florida Health Insurance and more: Florida Group Health Insurance

At Gulf Breeze Insurance Inc., we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.

The biggest misconception about group health insurance in Florida is that it is cheaper than FL individual health insurance. The actual premium of a Florida small group health insurance plan is higher, but since the employer pays a portion of the employee's group medical insurance premium, the employee's portion is smaller.

If you can get on your employers plan that is usually your best option. Adding your children or spouse to your plan is a completely different story. Since the employer is not required to contribute towards their (spouse and children) medical insurance premium you will be able to get a lower rate with an individual Fl health insurance plan and save a lot of money.

There are many affordable small group health insurance plans, from several different companies. Small group medical insurance rates are regulated and premiums will be the same whether you use an agent or go direct. As independent agents we work with all the top rated group health insurance companies in Florida. The plans we recommend most often are from:

• Blue Cross Blue Shield of Florida
• United Healthcare
• Aetna
• Humana
• AFLAC
• American Heritage (AllState)
• and a few others.

Get a group health insurance quote today

Small group health insurance in Florida is guaranteed issue if you meet the eligibility requirements. Call us and we will help you find an affordable group health insurance plan to fit your needs.

Groups of one can only be obtained in August. Groups of 2 or more can get plans anytime. Eligibility requirements vary from one carrier to another. These should give you an idea of what to expect.

• Company must have been in business for at least 6-24 months (depends on the carrier).
• Must have at least 2 or more full-time employees.
• Depending on the carrier 50-75% of eligible employees must be enrolled.
• In addition to the enrollment forms you must also submit your most recent UCT-6 and copies of your articles of incorporation.

Get a group health insurance quote today

See how we can help your company with our benefits offerings: We can totally insure all of your employees. You pick and choose the benefits to offer!

Core Products

• Group Health Insurance
• Group Dental Insurance (can be voluntary)
• Group Vision Insurance (can be voluntary)
• Group Life Insurance
• Mini Medical Limited Benefits Plan (50+ employees)
• Medi Gap (cover the deductibles for higher deductible plans 50+ employees)
• An approach developed to address double-digit increases in the cost of health care.
• CDHC places increased information and decision making in the hands of employees
• CDHC plan premiums average 30 percent less than traditional plans.
• CDHC Wellness programs may lead to increased employee productivity.
• More small/medium employers are able to afford health benefits.

Voluntary Products (100% Employee contributions, Pre-Taxed)

• Group Dental (min 2 employees or 25%)
• Group Vision (min 2 employees or 25%)
• Individual Insurance for dependents (payroll deducted, Not Pre-Taxed)
• Accident
• Hospital
• Sickness
• Cancer
• Disability (Occupation Qualified)(not Pre-Taxed)
• Critical Illness
• Life Insurance
• Plus More...

Get a group health insurance quote today

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