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Page Contents: Click to quick-jump or scroll down the page. >  Personalized Quotes >  Instant On-line Quotes >  Consumer Tips I (Cheap or Not Cheap?) >  Consumer Tips II (Be a Consumer Tiger!)

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Personalized Quotes

This is for people who are seriously looking for the best "fit" for their health insurance dollar NOW. (For on-line browsing, see Instant Quotes below.)

Complete the form below. Our independent Florida agents work by telephone and mail. (No one will ring your doorbell.) We will CALL you with a range of quotes, explain your choices, and provide answers to your questions. 

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For Individuals and Families       Full Name        Contact Area Code & Phone Number        Best Time To Call        Resident County     Zip Code       E-Mail Address       Primary Insured:  Male   , Female ,   Age       Include Spouse?  Yes ,  No ,   Age       Include Children?  Yes , No ,       If Yes, # Of Children Ages / Sex (M/F)       NOTE: Any children between the ages of 19 - 25 must be a full-time college student.       Have Any Tobacco Products Been Used In The Last 12 Months?                 No ,  Primary Insured ,  Spouse ,  Both     Are You Covered By A Health Plan Now? Yes , No           If Yes, Name Of Company     Is Primary Or Spouse Full-Time Self-Employed? Yes , No        Comments

If you are currently without health insurance, we have quality, next-day coverage available. You can download an application now on our Temporary page.

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Instant On-Line Quotes

Here you can quickly browse one of the Web's Most Popular online quote engines. 

As you view online quotes, be aware that very different types of health plans, i.e. Temporary Medical, Basic Medical, and Major Medical, are often grouped together for simple comparison purposes.

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For quicker or next-day coverage, please see our Temporary page.

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Tips I - Here's Why Some Insurance Is Cheaper

One way to generate interest in a product is to have a lower price. Health insurance is no exception.

While comparing price is easy, you should always be aware of the differences in coverage which account for the differences in price.  There is nothing wrong with trading some benefits for a lower premium. The key is for you to be fully aware the "trade-off."

Here are some ways that cheaper health insurance is created.

Request a personalized quote now.

 

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Tips II - Become a Consumer Tiger

Don't be intimidated by the complexities of health insurance shopping. Here's some powerful tips that will make you a more formidable consumer!

Seven Savvy Tips:

(1.)  Look for the term - Major Medical - in writing! 

In general, a "Major Medical" or "Comprehensive Major Medical" health plan covers medically necessary treatment unless specifically excluded. On the other hand, a "Basic Medical" or "Hospital/Surgical" typically covers only treatment that is specifically included on a schedule of benefits. 

Look carefully at the difference. "Basic Medical" or "Hospital/Surgical plans serve a purpose and their premiums are usually lower. However, if you qualify and you want the most comprehensive protection, look for the words "Major Medical" or "Comprehensive Major Medical" on the offering brochure or policy.

(2.)  When comparing health plans, check the "Exclusions" first.

One of the first things an experienced agent looks at in a health insurance plan is the list of plan exclusions, or what is NOT covered. Often found in small print, what is NOT covered is equally as important as what IS.

Many exclusions are typical (i.e. acts of war, self-inflicted injuries, custodial care, etc.), while others are not and should be carefully considered when comparing health plans. For example, does the plan have a waiting period for certain conditions? One exclusion of a "Basic Medical" or "Hospital Surgical" plan is "anything not specifically listed in the policy."

(3.)  A "stop-loss-limit" restricts the amount of medical charges you pay. Not all policies include such a limit.

After you pay the deductible, major medical insurance normally pays a portion of the covered charges (i.e. 80%) and you pay the other portion, known as "co-insurance", until your out-of-pocket expense equals the policy stop-loss-limit. Once you've paid your limit, the policy then pays 100% of the covered charges up to the policy maximum.

Be sure you're protected with a stop-loss-limit. In a PPO, you should check for a stop-loss-limit on both "in-network" and "out-of-network" charges. 

(4.)  Check how a health plan will pay your medical claims. Look for the term "Reasonable" as well as "Usual and Customary".

Sometimes, insurance companies will pay for medical procedures based on a schedule of fees that are considered to be the "Usual and Customary" for the region. However, if an unexpected complication occurs and reasonable, extra services are required during a medical procedure from a doctor or hospital, these reasonable, extra services may not be covered under the definition of "Usual and Customary" alone.

Complications can be costly, sometimes very costly! Look for the term "Usual, Reasonable, and Customary" for greater protection.

(5.)  "Test the waters."  Call customer service. 

When considering a health plan, call customer service once or twice and note how long it takes to reach a live person. Explain that you are simply testing their service response time, thank them, and that's it. Your agent should be happy to provide you with the phone number, especially if he or she knows the company offers good service!

Unlike your life insurance, health insurance is an asset that you're likely to use more than once. If the need arises, how difficult will it be to get your questions answered? It’s useful to know what to expect before making your decision.

(6.)  Having a skilled agent on your team could prove to be invaluable and costs you nothing!

Just because you're frustrated with the complications of health insurance, you should not allow yourself to be "sold" by a salesman who knows or cares little about the marketplace. Locate an experienced agent who can help you "buy".

Whether your insurance application is given over the internet, to an insurance company employee, or to a licensed, independent agent, your monthly premium is exactly the same. So why not use the services of a independent professional, who by Florida law works for you? 

(7.)  Activate your memory when completing the health questionnaire. Here’s why: 

The final step in obtaining health insurance is qualifying through the health questionnaire. It’s important to remember that by nature, the human mind tends to forget or minimize past or present illness. A positive attitude can be a benefit in the healing process. However, failing to disclose a material health condition, past or present, could jeopardize your coverage entirely. 

Medical audits are often done when there is a major claim. By law, the insurance company can revoke coverage and return all premiums if it can be shown that the policyholder failed to disclose a material condition on the application. 

Never give the insurance company a potential way out of paying a major claim. Even though this is the last step in the process, don’t be hurried. (If an agent ever suggests that you be anything less than diligent and complete, fire 'em!)

Disclosing past illness or injury is not an automatic negative. Truthful, clearly written phrases such as "complete recovery", "no further treatment", and "well controlled" go a long way with a skeptical company underwriter. Be sure to clearly state the positive.

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