Obtain an Aetna quote by clicking on ‘GO.”  You can obtain a quote here only if you use Internet Explorer. Aetna offers health insurance plans and you can also purchase dental together with a health plan.  Call us at 877-734-3884 for details.

Aetna is A-rated (Excellent) by A.M. Best (this rating indicates financial strength and stability), and has high ratings with Standard and Poor’s (A-), Moody’s (Aa3), and Fitch (AA).  They are 77th on the 2011 Fortune 500 list and are the third largest health insurance company on that list.

Aetna is one of the nation´s leading diversified health care benefits companies, serving members with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional and health savings account health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life, long-term care and disability plans and medical management capabilities. Customers include employer groups, individuals, college students, part-time and hourly workers, health plans and government-sponsored plans.

Aetna Facts
Aetna is one of the nation's leaders in health care, dental, pharmacy, group life, disability, and long-term care insurance and employee benefits. Dedicated to helping people achieve health and financial security, Aetna puts information and helpful resources to work for its members to help them make better-informed decisions about their health care.
(Figures as of March 30, 2011)

Obtain Assurant quotes by clicking on “GO.” Click the top box to obtain quotes for the three Health Access fixed-benefits plans (click here to see a video explaining these plans), the middle box to obtain quotes for Individual & Family Health Insurance or the bottom box to obtain quotes for Short-Term Medical Insurance. The Health Access plans can be purchased as child only plans, and Assurant is the only carrier where you can buy such a policy at this time. Assurant has also introduced supplemental plans such as accident and critical illness coverage and also offers dental in many states. Please call 877-734-3884 for details and to obtain quotes for any available plans in which you may be interested.

Call 877-734-3884 for assistance, as Assurant offers coverage through many different provider networks, and many choices of deductibles, co-insurance and other features.

Assurant offers short-term policies for a minimum of 30 days up to a maximum of 6 months.  Qualifications are more liberal (high blood pressure and no weight limits for example) than for such policies offered by some other carriers.  Different deductible and co-insurance choices are available.

Assurant is A-rated (Excellent) by A.M. Best (this rating indicates financial strength and stability). Assurant is ranked 285th on the 2011 Fortune 500 list and has more than $26 billion in assets and $8.5 billion in annual revenue.

Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company, and Union Security Insurance Company.  Together, these three underwriting companies provide health insurance coverage for about one million people nationwide.   Assurant Health has almost 3,000 employees and has a major operations center in South Florida.

Obtain an AvMed quote by clicking on “GO”.

AvMed offers individual and family HMO (Easy plans) POS (all other) plans only to residents of Miami-Dade, Broward and Palm Beach counties.  They offer group plans in 29 Florida counties in the greater Miami, Fort Lauderdale, Palm Beach, Ft Myers, Sarasota, Tampa, Orlando, Gainesville and Jacksonville areas and their network covers all of these counties. They have very competitive rates .

They offer HSA plans, and Elite and Easy office visit copay plans.  Prescription drug coverage can be added as an optional benefit (choice of three different deductibles, as well as a generic only drug option) to the Elite and Easy plans, and is included as part of the deductible and paid at 100% after the deductible is met in the HSA plans.

AvMed is one of few carriers that offer maternity coverage, which is available as an optional benefit for the Elite and Easy plans.  The maternity benefit available for the Elite plans has a 12-month waiting period before benefits can be paid and pays on a first-dollar basis up to $5000 per pregnancy.

Except for the Easy plans which are HMO’s, AvMed’s plans are “POS” plans.  In order to receive in-network benefits subscribers must use the AvMed Individual Health Network within the AvMed Service Area counties.  Outside the Service Area they must use a provider in the PHCS network; otherwise the out-of-network benefit provisions apply.

AvMed started over 40 years ago as a health plan serving the airline industry in South Florida and presently has a membership of over 300,000 group, Medicare, and individual members across the State.  The Street.com Ratings awarded AvMed top honors (A) for their financial strength, placing them in the top 6% of all health plans in the United States.  AvMed Health Plans have received the highest overall rating of any Florida plan submitting data to the National Committee for Quality Assurance ((NCQA).

Obtain a CIGNA quote by clicking on “GO.”  Call us at 877-734-3884 for details.

CIGNA offers 15 different plans—6 Open Access visit copay plans, 6 Open Access Value office visit copay plans and 3 HSA plans—as well as an optional dental plan.  CIGNA currently offers individual and family health coverage in Florida and 9 other states and plans to extend coverage into other states.

CIGNA has well-priced plans and has particularly competitive rates in Miami-Dade County.  CIGNA has a network of nearly 28,000 doctors and over 200 participating hospitals in Florida and their national network includes more than 500,000 quality health care professionals and facilities.

CIGNA’s predecessor company was founded in 1792. CIGNA had $21.2 Billion in revenues and $1.3 Billion of net income in 2010.  CIGNA ranks 122nd on the 2011 Fortune 500 list and is the 5th largest health care company on that list.  They are A-rated (Excellent) by A. M. Best (this rating indicates financial strength and stability), and has high ratings with Standard and Poor’s (A), Moody’s (A2), and Fitch (A).

CoventryOne offers both HMO and PPO plans in Florida.

CoventryOne HMO Plans for Individuals and Families
Obtain CoventryOne HMO (formerly called “Vista”) quotes by clicking on "GO." Enter your zip code and information for each person, and click “Get Quotes.” NOTE: this site contains quotes for BOTH the CoventryOne HMO and PPO plans in counties where both plans are offered. The HMO’s are identified by “HMO’” under "Plan Type” in the listing of plans. Check the boxes under the plan names for up to four plans and you can compare these plans. If you want to apply, click 'Apply' and follow the instructions.

CoventryOne HMO plans are available only in Miami-Dade, Broward, Palm Beach, Martin and St. Lucie counties.

Effective November 1, 2011 Coventry offers a family discount for the HMO plans (5% for adults and 7.5% for children; family discounts are already offered in the PPO plans). In addition, a Preferred discount of 10% for adults over age 18 (this discount will be introduced for the PPO plans effective January 1, 2012) is offered for individuals with no health conditions, no smoking, no medications, Preferred height and weight  and continuous coverage under either a group or individual plan (no more than 63 day break before effective date of Coventry coverage).  Evidence of continuous coverage needs to be submitted at the time of application.  Contact us at 877-734-3884 for details.  NOTE: The Coventry system automatically quotes all adults at the Preferred rate; if you don’t qualify you will be notified concerning the adjusted rate for each adult after the policy is approved; if you don’t qualify for the Preferred rate you will be asked to sign an acceptance document before the policy is approved and issued.)

As of December 1, 2011 CoventryOne HMO offers 17 different plans.  All plans (except the Copay 30 plan) are open access plans, which means that no referrals are necessary.  Additional deductible options have been introduced for some plans, improvements have been made to outpatient services and drug coverage for  the Z plans of the plans, and Coventry has introduced 7 new Open Access Focused Deductible V (Value) plans.  Depending on the deductible, the V plans, offer premiums up to 44% lower than those formerly offered in the Z plans, which were previously Coventry’s lowest priced plans.  The V plans offer all benefits offered by the other plans, EXCEPT specialty office visits, emergency room, outpatient diagnostic services, and outpatient surgery are covered after the deductible.  Beneficiaries pay COVENTRY’S CONTRACTED RATES before the deductible for any benefit which has a deductible (this applies to any Coventry HMO plan); these rates are substantially lower than what the individual would otherwise pay.

CoventryOne HMO has an optional maternity benefit that costs $110 per month and can not be quoted in the quoting system. Add $110 to the quote if you wish to add this benefit. This benefit can be added to ANY Coventry HMO plan. The option can be added as part of the application and must be purchased either as of the effective date of coverage or on a policy anniversary date.

All plans except CoPay 30 have deductibles. All plans have hospital daily copays (limited to a maximum of 5 regardless of length of stay) in addition to the deductible.

All plans provide for unlimited office visits (without a deductible)  as well as out-patient prescription drug benefits. The V plans offer specialist doctor visits at a $75 copay after the deductible.  Up to 20 chiropractic visits at the specialist office copay rate are also provided.  Urgent care center visits are provided in all plans without a deductible. All plans also include vision and dental benefits (same for all plans).

The six Z plans (two lower deductible Z plans have been introduced) are very popular and are the most competitively priced plans of their type in the market.  It is expected that the V plans will be very popular with those who want basic benefits like unlimited primary care doctor office and urgent care visit benefits without deductible and hospital coverage (the later with a deductible and a maximum of 5 daily hospital copays/ hospitalization) and are willing to pay deductibles for other services.

CoventryOne HMO plans have unique features (most of which are unique to CoventryOne HMO):

• All covered services at a doctor’s office or urgent care center are provided at the office visit copay rate (ONLY) without  a deductible; with the V plans specialty care provider office visits are covered after the deductible with a $75 copay.  The office visit copay includes tests, labs and x-rays, treatment and all other services. [Office visit copays for most other carriers include ONLY the history and exam; charges for other services performed in the doctor’s office apply against the deductible and any applicable coinsurance requirement.]
• There is no charge for periodic health exams, annual OB-GYN exams or well baby care. This includes tests, labs and x-rays, treatment and all other services.
• $250 copayment ($500 for the Z plans) for outpatient surgery at an ambulatory care center.  For the V plans the copay is $500 after the deductible.
• $50 copayment ($100 for the Z plans) for services like MRI’s and CAT scans at a freestanding facility. The V plans provide these services for a $250 copay after the deductible is met. [With most other carriers, charges for these services apply against the deductible with coinsurance, and the amount charged is considerably higher.]
• Dental and vision care benefits are included with all plans.
• All plans contain a $5000 annual out-of-pocket maximum (excluding the deductible).  These maximums are per individual except that there is a 2 individual/family deductible with the V plans. All deductibles and out-of-pocket maximums apply on an anniversary (contract year) basis.
• There is no lifetime maximum.
• Except for the three V plans that have integrated drug deductibles (i.e. the same deductible counts for both medical services and prescription drug benefits), there is no deductible for tier 1 and tier 4 drugs.  Tier 1 through tier 3 drugs can be purchased by mail.  Except for Copay 30, all plans have deductdibles for tier 2 and 3 drugs.  There is no yearly maximum for drugs.
• CoventryOne HMO is one of the few carriers to offer a maternity option. Benefits are payable after a 15 month waiting period. The plan requires payment for one OB/GYN visit and covers normal and C-section delivery with a $1000 payment in addition to the plan deductible. The maternity option must be included as of the plan effective date or added on a policy anniversary date.

CoventryOne PPO Plans for Individuals and Families

Obtain a CoventryOne PPO quote by clicking on “GO.”  Enter your zip code and click “Get Quotes.”  Enter the requested information for each person, use the scroll bar and choose an effective date as of the first of a month, and click “Get Quotes.”  You can apply online by clicking “Apply” under the price of the plan you select.  Enter your email address (twice) and create a password (twice).  Click “Continue” and follow all instructions to complete the application.

CoventryOne has PPO plans in South Florida (Miami-Dade, Broward and Palm Beach Counties only) and the Tampa area (Hillsborough, Pinellas, Pasco, and Hernando counties) and intends to offer plans throughout the state as regulatory approvals are obtained.

The most comprehensive plan is called Premier 100 and their other plans are called Plus 80, Premier Value 100, Momentum 70 and Momentum 80, and Saver HSA 100.  Except for Saver HSA 100, which is HSA-qualified, all are office visit copay plans.

Premier 100 and Plus 80 have copays of $100 and $150 respectively for emergency room services; with virtually all other PPO carriers and plans these services apply against the deductible and any applicable coinsurance.

The Premier Value 100 plans are their most popular and cost-competitive plans; on average these plans cost 23% less than Premier 100 plans with the same deductible.

Office visit copays include lab tests with Labcorp, hearing and vision screening, and treatment (e.g. removing a mole, setting a fracture, etc.)  Advanced imaging services performed in a doctor’s office are not considered part of the doctor’s visit and apply against the deductible and any applicable coinsurance.  Office visit copays with all other PPO carriers include only the history and exam, may include lab tests (depending on the carrier) but do NOT include treatment.

Deductibles for all plans are on an anniversary year basis, whereas other carriers apply their deductibles on a calendar year basis.

All of the office visit copay plans cover up to 20 chiropractic visits at the specialist office visit copay rate. Other PPO carriers cover chiropractic, if at all, after the deductible and sometimes with a higher coinsurance % on your part.

Coventry Facts

Coventry is A-rated (Excellent) by A. M. Best (this rating indicates financial strength and stability).  They are the 7th largest health care company on the Fortune 2011 list and rank 210th overall on that list.  Coventry has nearly $11.6 Billion in revenues and over 15,000 employees.  They are rated #1 in claims processing accuracy on AMA’s 2010 National Health Insurer Report Card.

Obtain Humana quotes by clicking on “GO.”  Click on “Get a Quote”, go to the next page and follow all instructions.  Humana has three rate classes and adjusts for smoking status.  The system quotes only for the best or “preferred” rate class if you are a non-smoker (smokers are automatically quoted only at the “standard” smoking rate).  “Preferred” is their best rate for applicants and only applies to individuals over 17 who have had health insurance coverage within the past 63 days; no actionable medical condition (i.e. no condition which would result in a condition-specific deductible, an exclusionary rider, or an increased rate for the condition); who take no ongoing medications (except birth control); and who fall into their standard height/weight tables.  If you don’t meet these criteria please call 877-734-3884 for quotes, as quotes received from this system WILL NOT be accurate.

Humana offers a dental plan that can be purchased with a health plan, as well as two stand-alone dental plans and one vision care plan.

Humana has recently introduced five financial protection products (cash cancer plan, critical illness plan, hospital cash plan, junior estate builder and memorial fund).  All five products are available in most states but the cash cancer plan is not yet available in Florida, and no plans are offered in Alaska, Maine or New York.  Please call us at 877-734-3884 for prices and details.

Humana is A-rated (Excellent) by A.M. Best (this rating indicates financial strength and stability) and has investment grade ratings from Moody’s and Standard and Poor’s.  They are 79th on the 2011 Fortune 500 list and are the fourth largest health insurance company on that list.
Humana offers individuals and families affordable health insurance, exceptional customer care, and peace of mind, knowing you have the coverage you need. With HumanaOne individual and family health insurance plans you get:

• The choice and flexibility to customize your plan due to the variety of Humana’s health insurance plans. All Florida plans (except in Hillsborough, Pinellas, Polk, Clay, St. Johns, Duval, Nassau and Baker counties which continue to use the EPO network) utilize the national Choice Plus network that features approximately 594,000 medical providers. HumanaOne plans are currently sold in 27 states and are portable if you move to a state where HumanaOne is offered.
• The opportunity to obtain a condition-specific deductible (“CSD”) for certain conditions. A CSD is an alternative to an exclusion rider.  (If you have an exclusion rider the plan doesn’t cover any services for that condition.  But if you have a CSD you have coverage for these services--you just need to meet a separate deductible first--and you can take advantage of discounts with network providers).
• The convenience of a one-stop destination for life, dental, and individual health insurance.
• Take advantage of special Humana health plan discounts that could save you hundreds of dollars a year (varies by state).
• A friendly Humana Customer Care Team that helps you make informed healthcare decisions.
• Access to MyHumana  for helpful health plan information, medical information, cost savings tips, and tools.