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.

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 63rd on the 2010 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 September 30, 2009)

Obtain Assurant quotes by clicking on “GO.” Click the top box to obtain quotes for the Affordable Health Access Limited Benefit plans, the middle box to obtain quotes for Individual and Family Health Insurance, or the bottom box to obtain quotes for Short-Term Medical Insurance. Note:  Assurant is changing and introducing new plans through September 23, 2010 and a new plan called Clarity will be added later if it has not  been approved in Florida by that date..  The system is constantly updated to reflect available plans and options as changes occur.  Assurant has also introduced supplemental plans such as accident coverage, but these can not be quoted on this system.  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 presently offers two Affordable Access Plans, which provide excellent value to those who can not afford more extensive coverage offered by other carriers.  There are only three medical questions (all must be answered “No” in order to qualify).  Both 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.  Applications for these plans will be accepted until August 31, 2010 for September 15 effective dates, as these plans will be replaced by new Affordable Health plans available starting September 11, 2010 for October 1 and later effective dates. Click below to view descriptions of these plans:

• Affordable Health Access Plan B
• Affordable Health Access Plan C

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 short-term policies for a minimum of 30 days and for a maximum of 365 days for effective dates before September 1, 2010 and 180 days thereafter..  Qualifications are more liberal (high blood pressure and no weight limits, for example) than for short-term policies offered by some other carriers. Available deductibles and coinsurance options vary dependent upon effective date of coverage as Assurant is making changes to these plans as well as their other plans.  The system is constantly updated to reflect available options as changes occur.

Assurant is A-rated (Excellent) by A.M. Best (this rating indicates financial strength and stability). Assurant is ranked 268th on the 2010 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.

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 and Broward 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, particularly in Miami-Dade County.

They offer a choice of two HSA  plans and 6 Elite and 4 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 excellent 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).

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. These are very low cost plans and offer hospital-surgical protection to those who are looking for inexpensive hospital-surgical coverage.  The plans outlined in brochures one, two and three are offered to individuals, whereas the plans outlined in brochures one, two, and four are offered to those wishing to cover two or more family members.

Hospital-surgical plans brochure 1
Hospital-surgical plans brochure 2
Hospital-surgical plans brochure 3
Hospital-surgical plans brochure 4

Blue Cross also offers two Go Blue plans that offer coverage for physicians services, urgent care centers, independent clinical labs, outpatient prescriptions, and preventive dental services as described in the two brochures at right. These plans are issued on a guaranteed issue basis, which means that they are automatically issued without any medical underwriting. These plans can be purchased with one of the hospital-surgical plans (two separate applications are needed) or as stand-alone plans without hospital-surgical coverage. Together with a hospital-surgical plan, the combination of these two plans offers what usually is the lowest cost option for those on low budgets who are looking for low cost medical coverage. Note that these plans do not provide coverage for items covered by more comprehensive plans, most particularly diagnostic services. Click links on the right to access the two Go Blue brochures in pdf format.

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.

Obtain a CIGNA quote by clicking on “GO.”  Once you obtain the listing of quotes, enter the applicable search criteria in the “Limit Plans By” feature.  Click “CIGNA” in the Carriers’ box, and you will receive only CIGNA quotes. Use the “Compare” feature to compare 2 to 4 selected plans.  CIGNA currently offers 15 different plans—6 Open Access office visit copay plans, 6 Open Access Value office visit copay plans and 3 HSA plans.  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 $18.4 Billion in revenues and $1.3 Billion of net income in 2009.  CIGNA ranks 129th on the 2010 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”) by clicking on "GO."  Enter your zip code and click “Get Quotes.”  Then enter the requested information for each person and click “Get Quotes.”   Enter your email address as requested (twice) and create a password (twice).  Click “Continue” and follow all instructions to complete the application.

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.  The option can be added during the application process.

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

CoventryOne HMO offers 21 different plans but is in the process of eliminating some plans.  If a particular plan can be quoted in the system you can apply for that plan.  Three of their plans have no deductibles while the others have deductibles ONLY for in- and outpatient hospital stays and for prescription drugs.  All plans have EITHER hospital daily copays (limited to a maximum of 5 regardless of length of stay) OR 20% coinsurance up to the amount indicated.  The hospital deductible applies ONLY to  hospital services and NOT to other services (unlike other plans where the deductible applies to non-hospital services as well).

All plans provide for office visits with copays as well as outpatient prescription drug benefits.  Up to 20 chiropractic visits at the specialist office copay rate are also provided and urgent care center visits are covered at the specialist office visit copay rate.. All plans also include vision and dental benefits (same for all plans).

The Z plans are “open access” plans, whereas the other plans are “gatekeeper” plans; except for the plans that have no deductible these “gatekeeper” plans can be purchased in an “open access” version for an additional 6-7% depending on the plan.  With an “open access” plan the subscriber must choose a primary care physician but referrals are not needed to any provider in CoventryOne’s HMO network. With “gatekeeper” model plans the subscriber chooses a primary care physician and with certain exceptions that provider must make referrals to other providers who accept the plan.

The four Z plans are very popular and provide savings up to 35%  from other CoventryOne HMO plans.

CoventryOne HMO plans have these unique features:

• All covered services at a doctor’s office or urgent care center are provided at the office visit copay 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 carriers apply charges for services other than the history and exam against the deductible and any applicable coinsurance requirement.]
• $100 ($500 at participating hospitals for Z plans) for emergency room visits.  [Most PPO plans apply charges for these services against the deductible and any applicable coinsurance requirement.]
• $50 to $250 copay depending on the plan selected ($500 for the Z plans) for outpatient surgery at an ambulatory care center.  [PPO carriers apply these charges against the deductible and coinsurance, if any, and the charges so applied are considerably higher.]
• $25 to $50 copay depending on the plan selected ($250 for the Z plans) for services like MRI’s, CAT scans, and colonoscopies at a freestanding facility.  [Again, with most other carriers, charges for these types of service apply against the deductible and coinsurance and the amount charged is considerably higher.]
• The optional maternity benefit requires ONLY a one-time specialist visit copay charge for pre- and post-natal care and $1000 charge for delivery at a hospital/birthing center (this includes both normal and C-section delivery).  The member CAN become pregnant darting the 15-month waiting period but no services are covered under the plan until the waiting period requirement is met.  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 CoventryOne HMO plan provide the subscriber is not then pregnant.  Many carriers that formerly provided optional maternity benefits have discontinued offering this option, so the availability of this option makes CoventryOne HMO plans even more attractive.

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.

CoventryOne PPO currently offers 24 different plans but is in the process of eliminating some plans.  If a particular plan can be quoted in the system you can apply for that plan.  They enroll individuals between 6 months and 64 ½ years of age.  Their most comprehensive plan is called Premier, and their other plans are called Plus, Value, Momentum, and Saver.  Except for Saver, which is HSA-qualified, all are office visit copay plans.  Premier, Plus, and Value provide coverage in the emergency room with copays of $100, $150, and $250 respectively; with virtually all other PPO carriers these services apply against the deductible and any applicable coinsurance.  Depending on how the provider bills, the  office visit copay for these plans may cover services that are billed separately and charged against the deductible and applicable coinsurance by other carriers.  Lab services with Labcorp are included as part of the office visit.

The Momentum plans are very cost-competitive against similar plans offered by other carriers, and Coventry recommends the Momentum 70 plans with either $2500, $5000, or $10,000 deductibles.  The plans cover labs with Labcorp for preventive care services.

Preventive care with all CoventryOne plans is covered up to $300 per person per contract (anniversary) year. Deductibles with most other carriers are 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 2010 list and rank 168th overall on that list.  Coventry has nearly $14 Billion in revenues and over 15,000 employees.  The CoventryOne HMO has approximately 6,500 participating providers in Florida and 300,000 members; they have one of the largest networks of health care providers in South Florida. are rated #1 in claims processing accuracy on AMA’s 2010 National Health Insurer Report Card.

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 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 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 73rd on the 2010 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 use the national Choice Plus network that features approximately 594,000 medical providers, more than 2,600 urgent care centers, over 5,900 hospitals and more than 61,000 pharmacies across most of the U.S.   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