Individual and Family Health Insurance
Florida Health Insurance Professionals prides itself on customer service. There are literally thousands of health insurance agents, but we separate ourselves by searching through multiple companies and asking the right questions to find our valued customers the most affordable health insurance plan with the best benefits. Search the multiple insurance companies on this page to find the one that works for you. Call us at 877-734-3884 with any questions you have and we will make sure you fully understand exactly how the plan works. Go ahead, call us. We are just a phone call away!
We represent many carriers (including Avalon, AvMed, Blue Cross/Blue Shield of Florida, Celtic, CIGNA, GTL, United American and World that are not available in the quotes you receive from this system. You can obtain quotes for Assurant in the section below. Call us at 877-734-3884 if you would like to obtain quotes from any of these carriers.
Health Insurance for Individuals and Families
Florida Health Insurance Professionals offers individual and family health insurance plans to families and individuals who are not eligible for health insurance benefits through an employer or are looking for a lower priced alternative. We have plans for the self-employed and students. If you are one of the millions of uninsured Americans, give us a call and we will help find you an affordable health insurance plan. If you have health insurance now and are paying too much, let us help lower your monthly premiums.
Click on the corresponding “GO” buttons to obtain quotes for each of the carriers listed below. Note that all policies are medically underwritten, which means that you must meet each carrier’s health status guidelines in order to obtain coverage. All carriers except Coventry and Vista adjust price based on height and weight. Rates will be adjusted if you exceed the carrier’s standard or preferred weight guidelines. Also, except for Vista, all carriers adjust premium if you smoke--in most cases between 25-30% (Aetna does not adjust for individuals who have low BMI scores and no other medical conditions).
 Obtain an Aetna quote by clicking on ‘GO.” You can obtain a quote here only if you use Internet Explorer. Call 877-734-3884 if you are unable to obtain a quote here.
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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 2009 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 consumer-directed 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 September 30, 2009) |
Membership:
- 19.027 million medical members.
- 14.183 million dental members.
- 14.155 million pharmacy members.
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Health Care Networks:
- More than 939,000 health care professionals.
- More than 538,000 primary care doctors and specialists.
- 5,148 hospitals.
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National Presence:
- Aetna provides benefits through employers in all 50 states, with products and services targeted specifically to small, mid-sized and large multi-site national employers.
- Aetna also serves individuals and Medicare beneficiaries in certain markets.
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 Obtain Assurant quotes by clicking on “GO.” Click the top box to obtain quotes for Individual and Family Health Insurance, the middle box to obtain quotes for Short-Term Medical Insurance, or the bottom box to obtain a quote for Student Health Insurance. 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.
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Assurant offers the best maternity option of any PPO carrier in Florida. Eligibility begins after satisfying a 90 day waiting period. The most popular option provides payment of 100% after a $2500 deductible is met.
Assurant offers Affordable Health Access plans (.pdf file) available in three different versions, which provide excellent value to those who can not afford more extensive coverage offered by other carriers. There are no medical questions required to apply for Plan A and only limited medical questions required for Plans B and C. All plans come with a discount card that is an additional $4 and there is a one-time $20 processing fee, as there is for all Assurant plans.
Optional Suite Solutions benefits provide cash benefits to help pay out-of-pocket expenses not otherwise covered by the plan. Suite Solutions is especially valuable if you have children on your plan or if you select a higher deductible. Choose between:
- Secure Solutions--accident medical expenses, accidental death and dismemberment benefits, and weekly accident indemnity benefits; or
- Select Solutions--Secure Solutions plus critical illness expense benefit, identity network child safety services, identity theft benefit, and discounts for dental, eyewear, contacts, hearing aids, acupuncture, massage therapy medication/ relaxation, naturopathy, nutritional counseling, and hotel and travel packages.
Assurant offers a short-term medical policy for periods between 30 and 365 days. Qualifications are more liberal (high blood pressure and weight, particularly) than for such policies offered by other carriers. Only one family deductible needs to be satisfied by all covered family members if the $1,000 or $2,500 deductible ($5,000 for plans lasting longer than 6 months) is selected, and a $250 deductible is available for plans lasting 6 months or less.
Assurant is A-rated (Excellent) by A.M. Best (this rating indicates financial strength and stability). Assurant is ranked 299th on the Fortune 500 list and has more than $25 billion in assets and $8 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.
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AvMed offers competitively priced POS plans in Broward and Miami-Dade counties. They have 9,600 providers in Broward/Miami-Dade and use the PHCS network nationally. Call us at 877-734-3884 for quotes and further information
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 Blue Cross Blue Shield of Florida offers office visit copay (they call these “predictable health cost” plans), health savings account, and four hospital-surgical plans throughout Florida. Click links on the right to access the four hospital-surgical plan brochures in .pdf format.
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Hospital-surgical plans brochure 1
Hospital-surgical plans brochure 2
Hospital-surgical plans brochure 3
Hospital-surgical plans brochure 4 |
Blue Cross Blue Shield of Florida has made improvements to their plans [primarily to preventive care (removed former dollar limits), diagnostic, and advanced imaging services]. Their health savings account plans are very competitively priced, and the hospital-surgical plans are particularly attractive to those who desire catastrophic coverage for a low monthly premium).. Call us at 877-734-3884 for quotes and further information.
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 Obtain a Coventry 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 on-line 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.
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Coventry has introduced plans into South Florida (Broward, Miami-Dade and Palm Beach Counties) and the Tampa area (Hernando, Pasco, Hillsborough, and Pinellas counties), and plans to offer plans throughout the state as regulatory approvals are obtained.
Coventry offers 19 different plans. They enroll individuals between 6 months and 64 ½ years of age. Their best plan is called Premium, and their other plans are called Plus, Value, and Saver. Premium, Plus, and Value are all office visit copay plans. Emergency room coverage is provided with a copay ($100, $150, and $250 respectively), and the office visit benefit provided in the plans includes ALL lab services with Labcorp, treatment, and procedures. Virtually no other PPO carrier provides emergency room co-pays, and office visit copays with virtually all other carriers include ONLY the history and the exam; with those carriers if the doctor makes any other charges they apply against the deductible and any applicable co-insurance.. These three plans also provide in-network preventive care benefits at the applicable copays up to $300 per person per contract year maximum. The Saver plans are traditional health savings account-qualified plans.
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 2009 Fortune 500 list and rank 226th overall on that list. Coventry has nearly $12 Billion in revenues and over 15,000 employees. Their plans serve more than 5 million members in all 50 states. They are rated #1 in claims timeliness by AMA Report Card.
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 Obtain Humana quotes by clicking on “GO.” Quotes can be obtained ONLY if you use Internet Explorer and if you have a PC (not a MAC). Click “Next” and enter the required information. Call 877-734-3884 if you are unable to obtain a quote here.
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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 85th on the 2009 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 Humana's health insurance plan variety. Choose from a wide network of doctors. Humana’s network features approximately 544,000 medical providers, more than 4,000 hospitals, and nearly 60,000 pharmacies across most of the U.S. HumanaOne plans currently are offered in 25 states, and plans are portable if you move to a state where HumanaOne is offered.
- 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
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 Obtain UnitedHealthOne (all individual and family health insurance plans offered by United Healthcare and underwritten by Golden Rule are branded as “UnitedHealthOne”) quotes by clicking on “GO.” UnitedHealthOne has four rate classes and adjusts for smoking, and you will obtain the most accurate quotes if you enter your height and weight (smoking or non-smoking is a required entry). If your height/weight exceeds the third weight classification, you nevertheless will receive a quote in that classification. Your premium will be adjusted when you make application. If you have had coverage in the 63 days prior to your effective date and if your height and weight are in the preferred (top classification) weight category, rates will be reduced by 6%. These discounts are not reflected in the quotes provided by the system. Quotes do not include the $3 charge for the discount card; this charge will be added when you make application.
Once you obtain the listing of quotes, enter the applicable search criteria in the "Limit Plans By” feature. Click "Golden Rule ”" in the Carriers' box, and you will receive only UnitedHealthOne quotes. You can click on “View Optional Benefits” and add available optional benefits to the quote. Click “Add to Plan,” and the price will change. Use the “Compare” feature to compare 2 to 4 selected plans.
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UnitedHealthOne (underwritten by Golden Rule) has been a leader in the individual health market for more than 60 years and offers a wide variety of affordable health insurance plans, including Health Savings Accounts (HSA’s), a plan they pioneered.
UnitedHealthOne’s primary purpose is serving individuals and families. Because they’re dedicated to this market, they’ve developed a unique understanding of the health insurance needs of individuals and families. This knowledge is reflected throughout your experience with UnitedHealthOne and Golden Rule -- in their high quality products, their handling of claims, and their customer service.
Golden Rule is rated "A" (Excellent) by A.M. Best, independent analysts of the insurance industry. This rating indicates financial strength and stability. UnitedHealth Group, the parent company, is ranked 21st in the 2009 Fortune 500 list and is the largest health insurance company on that list. As an innovative leader in the health and well-being industry, United Health Group currently serves nearly 70 million individuals nationwide.
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 Obtain Vista quotes by clicking on “GO.” Separate quotes must be obtained and applications made for each child 18 and over. Enter your zip code and click “Get Quotes.” Then enter the requested information for each person and click “Get Quotes.” You can apply on-line by clicking “Apply” under the price of the plan you select. (A separate email address must be used for each application. If you need to submit more than one application and have only one email address call us at 877-734-3884 for instructions.) Enter your email address as requested (twice) and create a password (twice). Click “Continue” and follow all instructions to complete the application.
Vista has an optional maternity benefit that costs $110.00 per month and can not be quoted in the quoting system. Add $110.00 to the quote if you wish to add this benefit.
Vista individual and family plans are available only in Miami-Dade, Broward, Palm Beach, Martin, and St. Lucie Counties.
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Vista Facts
Vista is owned by Coventry Healthcare, a major managed care provider headquartered in Bethesda, MD. Coventry is A-rated (Excellent) by A. M. Best (this rating indicatesfinancial strength and stability). They are the 7th largest health care company on the 2009 Fortune 500 list and rank 226th overall on that list. Coventry has nearly $12 Billion in revenues and over 15,000 employees. The Vista subsidiary has over $1 Billion in revenues and more than 950 employees. There are approximately 6,500 participating providers in Florida and nearly 300,000 members in Vista plans. Vista has one of the largest networks of health care providers in South Florida.
Plans and Descriptions
Vista offers 10 core HMO plans. Three of their plans have no deductibles while the other seven have (ONLY) hospital deductibles between $1,000, and $5,000. Plans either have daily hospital co-pays (limited to a maximum of five; the plan pays 100% thereafter) or 20%. Co-insurance maximums vary from $1,500 to $5,000 depending on the plan selected. These deductibles and co-insurance apply ONLY to hospital stays and NOT other benefits.
All plans provide for office visits with co-pays as well as outpatient prescription drug benefits.
Seven of the ten core HMO plans are also offered in an “open access” version. Referrals from primary care physicians are not required, but the subscriber must use providers in Vista’s network. These plans cost 6-7% more than similar core HMO plans. Vista recently introduced four new "Z" plans that offer savings of up to 35% over their lowest cost plans. All of these plans are "open access" plans.
ALL Vista plans provide dental and vision benefits in addition to these unique features:
- All covered services at a doctor’s office or urgent care center are provided at the office visit co-pay rate (ONLY). (There is no charge for mammograms.) This includes tests, physicals, treatment, and all other services. [Except for the charge for the office visit, most other plans apply these other services against the deductible and (if applicable) co-insurance requirement.]
- $100 ($500 for "Z" plans) for hospital emergency room visits. [Most PPO plans apply charges for these services against the deductible and co-insurance requirement (if any), and the rates charged are considerably higher.]
- $100 to $250 charge (depending on plan selected; $500 for "Z" plans) for out-patient surgery at an ambulatory surgical center. [PPO carriers apply these charges against the deductible and co-insurance requirements (if any), and the rates charged are considerably higher.]
- An optional maternity benefit with a one-time office visit co-pay charge for pre- and post-natal care and ONLY a $1,000 charge for delivery at a hospital/birthing center (this includes both normal and C-section delivery). The member CAN become pregnant during the 15-month waiting period. This is the best-priced and one of the most comprehensive maternity benefit options offered by any carrier. This benefit can be added to any Vista plan, including the new "Z" plans.
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