Florida Health Insurance
As your trusted Florida insurance agents, we know that finding the most reliable and effective Florida health insurance package isn’t easy—precisely why we want to be on your side, fighting to get you the complete coverage you deserve.
It is nearly impossible to live without health insurance these days. With the rising costs of health care – and the heavily debated government-backed initiatives - many people are finding it difficult to find affordable health insurance, that doesn’t force them to sacrifice quality care.
There are numerous reasons why Americans are looking for reliable health insurance. Whether it’s because your employer or company does not offer health coverage, or you are self employed, you may find yourself in a position where you need to seek your own health insurance.
Florida health insurance policies most often provide coverage for:
- Doctors visits
- Prescriptions
- Medical Testing
- Specialized care
- Surgical procedures
Being that each Florida resident is different, it’s only natural that we offer customizable Florida health insurance plans. Here at Tim Shaw Insurance Group our dedicated agents take the time to work with you directly, to create a policy that best suits your lifestyle and needs.
It’s also important to consider your financial situation, as well as the health of both you and your family members when creating an FL health insurance policy. Most insurance agents can offer you two types of health care coverage:
Indemnity Plans (or Fee-for services plans)
- Cafeteria/Flexible Spending Plans
- Indemnity Health Plans
- Basic & Essential Health Plans
- High Deductible Health Plans (HDHP)
- Health Savings Accounts (HSA)
Managed Care Plans
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPO)
Health Insurance is available through two types of plans:
- Group plans are offered through an employer or association
- Individual or non-group plans are purchased directly from an insurance company
There are different options that may be available under a group plan or to an individual:
- Fee-For-Service plans are often called traditional or indemnity health insurance. The health insurance company pays the bills after services are received by the insured.
- Managed Care plans refer to a variety of health insurance programs such as:
- Health Maintenance Organizations (HMOs) which are organized systems for health care that provide comprehensive services directly to enrolled members for a fixed, periodic fee. They provide or arrange health care services through a network or group of health care providers.
- Preferred Provider Organizations (PPOs) are groups of doctors, hospitals and other health care providers that have contracts with health insurance companies. The providers agree to serve the company's members and charge negotiated rates. These become the company's preferred providers.
- Point of Service (POS) is a health care plan that allows enrollees to choose whether to receive a specific service from a contracted preferred provider or a non-contracted provider. POS plans are a combination of either an HMO or PPO plan with a traditional indemnity plan.
The following are considered supplemental policies:
- Disability Insurance pays a monthly or weekly amount if the policyholder is disabled and cannot work. It will not cover claims that are covered by workers' compensation.
- Long-Term Care Insurance may cover services ranging from nursing home care to home health care, to providing benefits during an extended period of convalescence. Medicare does not pay benefits for most long nursing home stays or other types of long-term care. Read our 10 Reasons to Plan Now for Long Term Health Care
- Medicare Supplement Insurance is specifically designed to provide benefits to help pay what Medicare does not pay. However, these policies may not pay all the expenses that are not covered by Medicare.
- Some health care coverage can be acquired through a government-sponsored program.
- Medicare is a federal program that provides health insurance benefits for people age 65 and older, those receiving Social Security benefits for disability and those with end stage renal disease.
Don’t allow yourself to remain unprotected. Contact Tim Shaw Insurance Group today, for a free Florida health insurance quote and more information on all of the policy options we offer.
