Some think it doesn't really matter where they buy their health insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or milk. Insurance is an important safety net for your family or your business.
A licensed Florida health insurance independent agent works with multiple insurance carriers. The agent can pull several quotes, as this is called a "shop". An independent agent can offer most policies available in the state.
Don't treat the purchase lightly! You should only review quotes from an independent agent.
Learn What A Captive Florida
Health Insurance Agent Is
Florida health insurance captive agents work exclusively for one insurance company. They are obligated to give their business to only that one company. Is this a service to the consumer? Absolutely not.
These products are typically obscure, however the agent will present it as "the best" plan available. These plans are typically "Basic Hospital" plans with low annual maximums. They may cover $50,000 or $100,000 per calendar year. So what if your claim is $250,000? You guessed it; you would pay the difference.
These are the companies you see on cable television at 3am. Not all Florida health insurance agents are the same. Only work with an agent representing a minimum of 5 companies. A licensed independent agent will earn your business, not take it for granted.
How To Choose The Best
Florida Health Insurance Plan
Your independent agent will research your FL health insurance plan options based on your health, age, zip code, and other integral information. Some carriers are openly accepted in areas where others are not. The monthly cost should not dictate or be the only factor in finding right plan.
The strength of the network is very important. The network of a carrier determines what is "in" network and what is "out" of network. A plan with a low price point but weak network is no good for the consumer. A competitive price point with an outstanding network should never be compromised.
Your agent will work diligently to find the plan that best suits your needs. Use our free quote tool at the top of the page to do your homework ahead of time and compare quotes from the top health insurance companies offering coverage in your zip code.
Florida PPO And
Florida HMO Facts
Consumers sometimes have difficulty understanding the difference between HMO's and PPO's.
An HMO is a "Health Maintenance Organization". HMO's are seen primarily with group insurance plans, typically offered by an employer. A form of health insurance combining a range of coverage in a group basis. A group of doctors and other medical professionals offer care through the HMO for a flat monthly rate with no deductibles. However, only visits to professionals within the HMO network are covered by the policy. All visits, prescriptions and other care must be cleared by the HMO in order to be covered. A primary physician within the HMO handles referrals.
A PPO, or "preferred provider organization". A health care organization composed of physicians, hospitals, or other providers which provides health care services at a reduced fee. A PPO is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee. PPO’s may also offer more flexibility by allowing for visits to out-of-network professionals at a greater expense to the policyholder. Visits within the network require only the payment of a small fee. There is often a deductible for out-of-network expenses and a higher co-payment. A policy holder will have a primary physician within the network who will handle referrals to specialists that will be covered by the PPO. After any visit, the policy holder must submit a claim, and will be reimbursed for the visit minus his/her co-payment.
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