Florida Health Insurance

Florida health insurance does not have to be expensive. To keep premiums down, you need to have access to multiple quotes. We are one of the largest online health insurance agencies and represent most "A" rated health plans in the state. You get quotes from multiple companies with one phone call. Be sure to scroll down this whole page for tons of valuable health insurance consumer tips.

Guaranteed Health Insurance Plans for Florida and most other states. No medical declines. For guaranteed health insurance plans, click here.

Congress, Schmongress - Get Low Cost Florida Health Insurance Now - take a minute or two and read this somewhat amusing article on how to get low cost health insurance without waiting until 2014.

The Smart Way to Buy Florida Health Insurance

If you read only one article on this website, this is the one to read!

Let me show you a simple trick that could possibly save you thousands on your health insurance premiums and give you better coverage at the same time. You can use this trick for individual, family and even group health insurance plans.

Call now at 1-800-272-0512 for immediate quotes
(9 AM to 9 PM weekdays)

Florida health insurance quote request form - we will contact you within 24 hours

NEW - For as little as $25 a month, an entire family can get a lump sum payout cancer plan that will pay $50,000 upon diagnosis. It will supplement your major medical, limited benefit plan or group medical at work. Use this Cancer Insurance link for more info.

Major medical covers cancer. But, it does not pay you for lost wages, additional expenses of travel, hotels, child care etc. Major medical will not pay for anything that is not a mainsteam treatment. It is the leading edge and experimental procedures that could save you life. Can you afford them? Do you have a year's salary saved for an emergency? Get a cancer plan. It is cheap protection.

Florida Health Insurance 10 Money Saving Tips - Florida health insurance premiums do not have to be as much as a mortgage payment. These money saving tips will show you how to save money today.

Florida Group Health Insurance For Groups of Two or More - We have low cost group health insurance for groups as small as two employees. Our rates for groups are the lowest in the state.

Florida PPO Dental Insurance - Yes, we finally have a real PPO dental plan from a national carrier. This is what your dentist has been telling you to get. Make sure you read the entire file (which has the application included) before you call with questions.

Using an Insurance Agent or Call the Insurance Company Directly - Is there any advantage to calling the insurance company directly and bypassing the agent? Will the plan be cheaper? Read this brief article to find out.

Florida Health Insurance For Those of You Who Have Lost Their Job - There are a number of strangles you can take if you lose your job and need to stay insured. This includes some very low cost options. Do not panic. Read this short article and give us a call.

Florida Health Insurance for Children- You can obtain low-cost child-only health insurance plan for children in Florida. This article covers the details and what to look for.

Florida Maternity Insurance- A low-cost way to cover your maternity expenses. You can even use it with your current health insurance.

Pregnancy Coverage - We can cover you even if you are already pregnant. This plan that has no wait for pre-existing conditions - even pregnancy. It is a no-brainer for someone who is already pregnant. The plan pays out more than you pay in premium.

Florida's New Cover Florida Plans Are Here - Have you been waiting for a low-cost major medical plan that you can get regardless of your pre-existing conditions. If so, you are going to be very disappointed. Read this article for the latest news.

What are Guaranteed Issue Plans - If you cannot obtain health insurance due to your medical history, this article will explain what a guaranteed issue plan is and how it might make it possible for you to have health insurance in Florida.

Having a problem with AIM Healthplans? - If you purchased a plan from AIM and have realized the company is out of business but you still get withdrawals from your bank, read this article.

Buying Health Insurance Online - Some sites will sell your information to as many as 20 agents. Short article shows you what to look out for.

Florida Group Health Insurance for Self-Employed or Small Groups- We can help you obtain a guaranteed issue major medical plan for groups as small as one employee without waiting for an open enrollment period. These are full major medical plans from a major carrier.

The Short Attention Span Guide to Florida Health Insurance - Many of you do not want to read through the lively and informative articles on this web site. This guide will give you the basics in less than five minutes. You can always call me to fill in the blanks.

Getting quotes for Florida health insurance plans online is not the best way to go. You will not get quotes for every company and have a high probability of not getting the coverage you think you are purchasing. Take 5 minutes to call and speak to me personally. You will get a custom health insurance quote, I will explain the benefits to you until you understand them and.you will end up paying less than if you try to do it on your own. Plus, you will have a personal agent who will shop for the "cheapest" plan for you at each renewal.

Florida health insurance with no medical questions - what are your options if you are declined?

Florida Health Insurance True/False Quiz: Answer All Questions True or False

1.
If you have had health insurance without a break in coverage, you are entitled to have all your pre-existing conditions covered and the carrier must give you coverage

2.

Florida health insurance for individuals and families is less expensive than group coverage?

3.

High deductible plans are almost always better values than low deductibles?

4.

Maternity coverage is available on most health insurance plans?

5.

Florida health insurance plans are all controlled by the state of Florida?

6.

Healthy individuals really do not need health insurance?

7.

Buying Florida health insurance directly from the insurance company will save me money?

8.

Health Savings Account plans (HSA) are for everyone and not just businesses and rich people?

9.

Online internet quotes for health insurance will help you find a plan?

10.

Hospitals have to provide me with service even if I do not have health insurance?

Florida Health Insurance True/False Quiz Answers, click here now.

Florida Health Insurance Articles of Interest

Florida' New Low-Cost Health Insurance Plans - (New Article) Can you really get health insurance for $150 a month regardless of your medical condition? Read about Florida's proposed new health insurance plans.

The Intelligent Way to Purchase Florida Health Insurance - If you read only one article on this web site, make sure it is this one. You can save thousands on your Florida health insurance premiums.

Health insurance shopping tips - and a few laughs - This is a great article on how to save money on health insurance plans in Florida and just about anywhere else. It is a must read.

Florida Health Insurance Coverage for Physicals – (New Article) You do not want any surprises when it comes to your annual physicals. Blood tests, stress tests, colonoscopy - what is covered and what is not. Brief article will lay it all out for you in simple terms.

Health Insurance Applications - How to avoid getting denied or having future claim problems. This is a must read for anyone applying for Florida health insurance.

Health Insurance for Non Citizens Living in Florida - If you have been in the United States less than 6 months, have no social security number or you are a US citizen and want to live abroad, you will need an international health insurance plan.

Best Kept Secret About Florida Health Insurance - Learn it and save thousands - Shows you how to cut your Florida health insurance premiums in half. Complete and simple illustration.

Prescription Coverage - what is covered and what is not.

Limited Benefit Plans - What are they and who should use them

Why are private Florida health insurance plans safer than group health insurance? Read this short article and find out now. - You might be surprised to learn about which is the better alternative.

Health Insurance Underwriting - This is an ongoing series of articles about obtaining a Florida health insurance plan for individuals with specific pre-existing conditions.

Part 1 - Health insurance coverage and cancer - requirements for cancer survivors

Part 2 - Health insurance and weight - what are the height/weight guidelines

Part 3 - Health insurance and colitis - obtaining health insurance with ulcerative colitis

Florida medical plans for groups of one are only available in August. However, you may not require this expensive form of health insurance. Florida group of one medical plans.

Florida health insurance claim problems and how to avoid them - If the movie SICKO made you SICKO, you need to read this brief article. It will explain how to be sure your claims are never declined.

What happens if I do not have a Florida health insurance plan? Will I be cared for in an emergency? Read about EMTLA and your rights under this act.

Submit our online health insurance quote request form and we call you within 24 hours or less. This is the best way to shop for individual health insurance. Within minutes, I can determine your eligibility, the type of plan you want and give you immediate quotes. Plus, I can tell you things about the different carriers that I cannot print on the Internet.

We have a gimmick. It is called honesty. So far, no other agency has attempted to copy this simple idea. This, along with the fact that we represent most of the health insurance carriers in Florida, have made us very popular. I try to answer every email. But, if you want a quote for the lowest possible premiums do the following:

Warning - Calling a health insurance company directly, will not result in the lowest premium. We can put together a plan with more benefits for less money.

1. For faster service, forget the email and call me between 9 AM and 8 PM Monday - Thursday and until 5 PM on Friday. If I do not pick up, leave a message. I will call you back - I promise.

2. If you leave a message, please talk slowly and clearly. Make sure I have enough time to write down your name and number. If I can call you in the evening or on weekends let me know.

I will give you quotes from all the major Florida health insurance carriers, expert advice and someone who will be there when there is a problem. This is not a boiler room with a new agent every time you call. Dealing with an honest salesperson is an entirely new experience for many of you, so be prepared.

Call 800-272-0512

Florida health insurance quote - we will call you within 24 hours - Click to leave your information

Online Florida health insurance quotes are not recommended. I know you love to shop online, but, there is a high probability that you will pay more for less if you try and do this yourself. We have been selling health insurance in Florida for a very long time and it costs nothing for our expert advice.

Florida health insurance quotes online - click on this link

The simple secret of paying less for individual health insurance premiums is no longer a secret. Low cost Florida health insurance plans.

What about pre-existing conditions? Want to know whether they will be covered or not? We have a plan that will not place any riders on your preexisting conditions. Call me!

Preexisting conditions - what you need to know - click here now

Florida HSA Plans - Florida Health Savings Accounts

HSA (Health Savings Accounts) are tax advantaged health insurance plans that are available to everyone. You do not have to be self-employed. You can end up with a tax write off that is equal to your insurance premiums.

If you are paying a lot of money for a family plan and everyone in the family is reasonably healthy, the Florida HSA plans will save you a lot of money each year. I will be glad to explain the details.

Florida HSA - More Info

Guaranteed Issue Health Insurance - For Florida and all other states

If you have been declined for health insurance in Florida or any other state, we have guaranteed issue plans for individuals or groups of one or more. They are available to residents in most states.

There are no medical questions and most everyone can qualify.

This is real health insurance and not a discount card.

Guaranteed issue health insurance link.

Health Insurance For Diabetics

If you are a type 2 diabetic and are well controlled with oral medication, you might be eligible for a full major medical plan.

If you are an insulin diabetic and/or have other health issues, we still have plans that you can obtain.

Health insurance for diabetics

Florida Dental Insurance

If you are looking for a full dental PPO plan similar to the one you had when working for a big company, you are going to be very disappointed. But, there are plenty of low cost plans that can save you a lot of money on your dental bills. We have a separate web site dedicated to nothing but dental plans. Use this link to see all of our dental plans

Florida Dental Plan Page for details - click

Florida PPO Dental plan hybrid - Online Site with Information and Signup

If your health insurance plan does not cover prescriptions or, you want a stand-alone prescription plan, we have a co-pay plan that might work for you. Simply click on Co-pay Prescription Plan Click Here.

Save Thousands on your Florida Health Insurance

We just updated the Florida Health Insurance Guide again. Have a look.

Free "Consumers Guide to Buying Florida Health Insurance" shows you all the tricks of the trade. Spend a few minutes reading this informative guide and save year after year on your individual health insurance.

Florida Health insurance buying secrets - Read now

Florida Maternity Plans

There are a few ways to cover maternity. You can even get a full major medical plan that allows you to be pregnant after 90 days. Or, you can use one of our indemnity plans and have no waiting period.

If you anticipate a c-section, let me know. I have a new plan that will pay a substantial portion of the expenses.

Florida maternity insurance - Click here for details

Florida temporary health insurance! Get coverage in 24 hours

This plan has no networks - use any doctor and any hospital. Low cost with deductibles as low as $250. The underwriting is very simple and they will issue the plans the very next day. You can even download your policy and ID card.

These are full major medical plans with up to $2 million dollars of coverage. We compared the rates with all of the other temporary health insurance plan and this one is the cheapest.

If you apply today you will be covered the next business day.

Florida temporary health insurance quote and online application - click here

*****You can now call on the weekends from 10 AM to 3 PM*****

Cheap Florida Health Insurance

Do you want a cheap Florida health insurance plan? Of course you do. You shop around the Internet to find the lowest prices. Then when you file a claim you find out why the insurance was cheaper than anything else. The coverage you thought was there is absent. So many of you learn the hard way.

Here is a good rule of thumb. If the plan offers daily limits on hospital stay on room/board, puts a cap on surgeon's fees, or, if an agent whips out a slick, glossy brochure and wants to charge you $100+ to sign up for the plan - put your check book away and throw the bum out. Now, wasn't that simple? By the way, if you already bought one of these plans, go right now and get your policy and read it. You will be unpleasantly surprised. Then give me a call.

Florida HMO plans provide comprehensive health care for a single low co-pay. They are available in Dade, Broward, Palm Beach, Martin and St. Lucie Counties only

If you like your primary care physician (PCP) and the practice treats you well, these plans can provide complete health care with very little out-of-pocket expense. The PCP is the key.

HMO plans provide complete maternity coverage with an optional rider.

If you would like a brochure, application and price sheet give me a call - 800-272-0512.

Florida HMO plans - click here

More on Health Insurance in Florida

My Florida health insurance premiums are going up and up. I am totally disgusted with the companies and the lack of affordable health insurance. My congressional representative have almost free health insurance and will never, ever have to use "public plan".

Everybody asks me the same question: Which is the best individual health insurance plan in Florida? You want the truth? Can you handle the truth? The fact of the matter is, I am not in love with any health plan or company. You have a few companies that are complete garbage and the rest are mediocre at best. I will be more than happy to tell you which ones are worthless. I just do not have the legal fund to put it on the Internet.

I try to sell what I believe to be the best Florida health insurance plans available. These plans will pay your claims without taking your guts out. I try to offer plans that will have the lowest rate increases and reasonable financial stability. I look for quality networks and responsive customer service. I do my best.

But, if you do not want to end up as a trailer in a Michael Moore movie you must do your part as well. That means filling out your applications completely, clearly and honestly. If you don't it will come back to bite you on your a$$.

If you call me, I am also going to tell you a lot of things that you don't want to hear. Sometimes, people go on to the next agent thinking that I cannot possibly be correct. They often fall prey to the discount card scam artists and the "let me come to your house and get your check and signature agents". I hope they at least buy you dinner before they er, well you know what I mean.

Why don't you just give me a call at 1-800-272-0512. Although, I am almost totally devoid of all social skills, I am very patient and informative. I have a lot of different companies and will find you the best plan for the least cost.

By the way, if you want to see my plan for universal healthcare, click here.

How to fail a paramedical exam

In Florida, all private major medical health insurance is medically underwritten and some companies will send out a paramedic to do an exam. If they do a blood test, it is supposed to be a fasting test. However, they often forget to tell you that. So, you manage to eat a big breakfast and a few chocolate bars before they show up. Guess what? The blood tests are inaccurate and they think you have high cholesterol and diabetes. Now you are really screwed.

You won't die of starvation if you miss a meal. If the paramedic was supposed to show up at 10 AM and they ring the bell at 2 PM, send them away if you just had lunch. Hide, don't answer the door. You will spend the next 6 months trying to convince the insurance carrier that you are really healthy.

Florida Health Insurance Facts

These quick tips are not a substitute for our Florida Health Insurance Buyer Guide, but you should find them helpful.

1. Florida health insurance rates are approved by the Florida's Department of Financial Services. There is no such thing as bargaining. The rates are fixed. If ABC Insurance says the plan is $200 a month, all 10,000 agents who carry the plan will charge $200 a month. It is not like buying a car. When someone tells me they are shopping around, I think to myself "Boy, this guy ever going get screwed."

2. Understand your coverage before you send in the check. If the plan has limitations on benefits, you need to know it in advance. Half the people I talk to don't know who their plan is with, their wife's or kids birthdays or if they ever had a serious illness. Then again, the 70's are a complete blur.

3. Florida health insurance plans that have limits on days in hospital, daily hospital reimbursements limits, number of doctor visits per quarter or year, or per illness dollar limitations are not recommended. If someone is pushing a plan like this on you - TASER them.

4. Low deductible Florida health insurance plans make insurance companies rich. They are not cost effective. I would rather have a high deductible plan and be able to afford some disability insurance and have adequate life insurance (or maybe take a vacation) then load up on low deductible health insurance.

5. Don't let anyone feed you bull about regular, usual and customary. If you are in a PPO and you go to a hospital that is part of the PPO network, you are automatically billed the pre-negotiated rate. There will be no surprises as the costs are negotiated in advance. This is how most health insurance plans in Florida are sold.

We get many calls from individuals who are recently arrived in the United States or plan to move here. You will need a special international health insurance plan. This is also true if you are a citizen and wish to travel or live abroad for an extended period of time. International Health Insurance - use this link.

6. Florida has a healthy kids program if you meet income requirements.

7. In Florida you will find that health insurance plans are not guaranteed issue. If you have preexisting conditions they might refuse coverage. Make sure you discuss these concerns with your agent. If an agent ever hints that you should conceal something, get rid of the agent pronto. You are committing a crime (felony in Florida) and you will find yourself without coverage. We do have guaranteed issue plans available.

8. Florida health insurance plans do not always pay for preexisting conditions. If you have a medical condition that requires a prescription, regular medical care or have been told that you will require surgery in the future, it might not be covered. No, there are no laws that will force them to cover it. I don't care what your neighbor, friend or brother-in-law told you.

9. If you have a PPO plan you are entitled to the discounted PPO rate for services. So a doctor visit might still only cost $35 or $40 instead of $75, and a lab fee $15 instead of $60. Learn how to take advantage of PPO discounts. It will save you a fortune. Ask me and I will explain it to you. You cannot make an intelligent decision about your coverage levels unless you understand this information.

10. Ask me about an HSA plan. You use pretax money to pay for medical expenses. These can be exceptional deals under the right circumstances.

11. The Internet can be useful when shopping for Florida health insurance. After all, you found me didn't you? Unfortunately, most of the people you will contact on the Internet will not be licensed agents. They will be national marketing companies that will sell your name and phone number or e-mail addresses to the highest bidder for insurance leads that week.

If the form asks you what state you are in or wants your home address, do not complete it. It is in all probability a marketing company and not an insurance agency - beware.

Want to save money on your health insurance? Of course you do. Give me a call, I am not as crazy as I sound and I promise I will only take a few minutes of your time. You can hang up anytime you want - although it would unbelievably rude. Give me a call or a number where you can be reached. If you leave a message, give me a break, I don't take shorthand. Some people sound like they are on speed when they leave a number.

Florida Insurance News from The Florida Department of Financial Services:

Insurer to cover all Lee hospitals
Better Ideas for Florida Health Insurance

GALLAGHER REVOKES LICENSE OF AGENT WHO SOLD BOGUS STUDENT ACCIDENT POLICIES IN SOUTH FLORIDA

FLQUOTE.COM - A Full Service Insurance agent living and working in Florida
Coral Springs and Miami Florida
1-800-272-0512
1-954-757-0033
We serve the entire state of Florida with virtual offices in Tampa, Orlando Jacksonville, Tallahassee, Miami, Ft Myers and West Palm Beach.

Florida license number A301602

What's On this Site

Florida Health Insurance

Florida Health Insurance Facts

FLQUOTE.COM™©2006 All rights reserved.