Florida Group Health Insurance PlansFor Groups of 2 or More Employees We can help you obtain affordable Florida group health insurance for groups of two or more employees. Our Rates and Plans are Printed on this Web Page • Florida Small Group Health Insurance for Groups of 2+ Call for details at 800-272-0512 or 954-757-0033 in Broward Low-Cost Florida Group Health Insurance So, if you have already gone through this futile exercise and the rates are still too high, maybe we can help. What We Do and Why We Are Different We take a different approach to group health insurance. We use lower-cost, higher deductible plans and pair them with low-cost supplements, Health Reimbursement Accounts and gap plans. The net effect is an overall lower cost for you and your employees. Florida Group Health Insurance Plan Alternatives Traditional group plans are not always the answer. If you have an essentially health group of employees, we can use private plans coupled with a premium only FSA or HRA plans. In case you were not aware of it, group health insurance is generally a lot more expensive than a private plan. Again, we can create a custom solution for you. Florida Group
Indemnity Plans
This section is a little complicated and we will be revising it to make it more intelligible. We have a number of "tricks" that the IRS permits to bring down group rates. Give us a call for details. It should be obvious to everyone that moving from a lower deductible to a higher deductible will bring down the cost of health insurance. However, you might have an employee mutiny on your hands. This is where the HRA comes in. With an HRA you put money into a spending account for the employee. They use this money to pay for medical expenses, voluntary health insurance, etc. This is entirely employer funded and the unspent money is carried over and not lost. The funds belong to the employer and not the employee. The HRA is authorized under section 105 of the Internal Revenue Code. The plan is usually set up to reimburse for medical expenses associated with a health plan like doctors visits, prescriptions, etc. The plan can be designed to reimburse for other expenses such as vision tests, dental, orthodontics, and much more. The great part about theses plans are that you design them. You control of how you want the plan to perform. There are many advantages to you, the employer. First of all, you decide what you want to cover and how much you will pay out. Second, you are not pre-funding an account where unused money goes to the employee. Third, you can use a higher deductible health insurance plan. The savings in premium is generally much greater than any assistance you provide the employee in the HRA. Finally, the employee will feel secure with the higher deductible plan knowing that there is some assistance for routine medical expenses. The chances of them meeting deductibles is slim and you are benefiting from the reduced premiums. Florida Group
Health Insurance - A Consultive Approach We can save you money on your Florida group health insurance. Give us a call 800-272-0512 (Mon - Thur 9 AM to 8 PM and Fri to 6 PM) |
FLQUOTE.COM - A Full Service Broker
Coral Springs, Florida 33076
1-800-272-0512
954-757-0033
We serve the entire state of Florida
from the keys to the panhandle.
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