Florida Group Health Insurance

Florida Group Health Insurance Plans

Self-Employed or Groups of 1000 - We can do it all

We can help you obtain affordable Florida group health insurance for groups of one or more employees. Self-employed is not a problem. There are no special open enrollment periods. Plans can start at any time of the year.

Our Rates and Plans are Printed on this Web Page
You Do Not Need a Census Form

• Florida Group Health Insurance for Self-Employed Groups of One or Two
• Plans can start any time of the year
• Florida Small Group Health Insurance for Groups of 3+ (special low rates)
• Standard fixed premiems regardless of age or gender
• Full Major Medical and Health Savings Account (HSA) Plans
• Multi-State Coverage - Presently can cover your employees in 16 states

Call for details at 800-272-0512 or 954-757-0033 in Broward

Low-Cost Florida Group Health Insurance

There are literally thousands of insurance agents that will give you quotes for all of the well known group health insurance plans. You fill out a census and they send it in to the carrier, and in a day or two they get back your proposal. If you contact ten agents, chances are you will get ten identical proposals. After all, they are all sending your identical information to the same clerk at the same carrier to be run with the exact same software. Unless you have an extremely large group( 100+), you cannot bargain for lower premiums.

So, if you have already gone through this futile exercise and the rates are still too high, we can help.

What We Do and Why We Are Different

Our Florida group health insurance plans are offered through a PEO. A PEO (Professional Employment Organization) is a licensed entity that permits you to join their group plan. The rates are generally much more favorably than any rate you could get on your own. In short, you are getting Florida group health insurance at large group rates.

Before you are finished reading this web page, you will have a quote for your group. We publish our rates online.

The Group Plans We Offer

Take a look at the three plans we currently offer. In the near future we will add more choices. They are all United HealthCare plans with the ChoicePlus network. You could not get these plans at these rates on your own.

Basic Medical Plan Features	Gold Plan	Silver Plan	HSA Plan
Provider network	Choice Plus	Choice Plus	Choice Plus
Maximum age for a dependent child	25	25	25
*In-Network Services*
Annual deductible
Individual	None	$1,000	$2,000
Family	None	$2,000	$4,000
Annual out-of-pocket max.
Individual	Not applicable	$3,000	$2,000
Family	Not applicable	$6,000	$4,000
Coinsurance	None	90%	100%
Routine Adult or Well Child Care to Age 19	No Charge	No Charge	No Charge
Office Visit Copay	$30	$30	No charge after deductible
Specialist Copay	$50	$50	No charge after deductible
Hospital Admission Copay	$500	Deductible and coinsurance	No charge after deductible
Hospital Outpatient Copay	Not applicable	Deductible and coinsurance	No charge after deductible
Emergency Room Copay	$100	$250	No charge after deductible
Lab Fees at Participating Lab	No charge	Deductible and coinsurance	No charge after deductible
Lab Fees at Provider’s Office	No charge	No charge	No charge after deductible
Lifetime Max. Benefit	Unlimited	Unlimited	$5,000,000

*Out-of-Network Services*
Annual Deductible
Individual	$1,000	Not applicable	$4,000
Family	$2,000	Not applicable	$8,000
Annual Out-of-Pocket Maximum
Individual	$5,000	Not applicable	$5,000
Family	$10,000	Not applicable	$10,000
Coinsurance	80% after deductible	Not applicable	80% after deductible

*Prescription Drug Features*
Generic Copay	$10	$10	$10
Preferred Copay	$30	$35	$30
Non-preferred Copay	$50	$70	$50
Prescription Drug Deductible	None	$250/$750	Subject to in-network deductible

Florida Group Health Insurance Premiums

As I promised, here are the rates. The group of one or two rates appear higher. However, there are some unique tax deductions that can be used with these plans that make the net rates much lower. I do not want to get into a tax discussion on this page.

The rates are the same regardless of where you live, your age or gender. Typically, Florida group health insurance will be more expensive based on claims history. We do not rate up based on the medical history of your group.

The smart buy on these plans are the Silver and HSA plans. If you are worried about the deductibles, we can give you a supplemental plan that will pay the deductibles and still give you a considerable price advantage over the Gold Plan.

Groups of Three or More Employees

	Gold Plan	Silver Plan	HSA Plan
Single	$490	$380	$410
Single + Spouse	$895	$650	$739
Single + Child(ren)	$800	$600	$650
Family	$1400	$850	$900

Groups of One or Two Employees

	Gold Plan	Silver Plan	HSA Plan
Single	$686	$523	$537
Single + Spouse	$1098	$788	$791
Single + Child(ren)	$949	$690	$698
Family	$1350	$980	$976

Florida Group Health Insurance Plan Alternatives

If you have very low wage employees or a small group of very healthy employees without the need for maternity coverage, there are other options available.

Florida Group Indemnity Plans

Using an indemnity plan for Florida group health insurance can be the answer for low-wage employees. The core of these plans are professionally managed indemnity insurance that pay specific amounts based on a schedule.

Currently, we are using the Cover Florida plans for those businesses that require a "Mini Medical" plan. Please be aware that these plans do not cover surgery, brand name prescriptions, out-patient cancer treatment and many other important medical expenses. They are minimal, low cost plans.

Use Individual Health Insurance with a List Bill

Individual Florida health insurance is generally much cheaper than Florida group health insurance. By using a single list bill for all of your employees, the healthy workers can take advantage of the low rates. Essentially, everyone will have their own plan but there will be a single invoice for all plans that can be paid by the business.

Lower Florida Group Health Insurance Costs with an HRA (Health Reimbursement Arrangement)

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.

We have an additional website that is dedicated to this product Health Insurance for Self Employed is worth a click.

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.

Florida Group Health Insurance

Florida Group Health Insurance Plans

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