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Florida Group Health Insurance Quote

Florida Group Health Insurance Quotes for Small Businesses and the Self Employed

National Insurance Services of North America, NISONA provides accurate and affordable small business employee health insurance plans with group health insurance rates from Blue Cross Blue Shield, United HealthCare, Humana, and Aetna for Florida small businesses and the self employed. Try our free service today...(Group Quotes for virtually all 50 states INCLUDING: Florida (Indian River, St Lucie, Brevard, and Martin County), Georgia (including Gwinnett, Walton, Fulton, Barrow and Jackson County), North Carolina, South Carolina, Tennessee, Iowa, Colorado, California

Florida small business owners (2-50 employees) know how difficult it can be to shop for a group health insurance plan. No doubt the insurance needs and wants of each employee are as different as their personalities. And while they are none to eager to offer ideas at the weekly staff meeting, they have no qualms about expressing what co-pay they prefer and that they have been using the same doctor for 15 years and are not about to change now! AAGH!!!

So how do you please everyone and keep to your budget? This is where our knowledge and experience works for you. Our Licensed team of professionals, with many years of experience in the group health market, will inform you of all the options available to meet the needs of your group while staying within your budget. Armed with that knowledge and dedication, along with a variety of options, you can make the best decision - an informed one! Email or fax your census now for a no obligation quote and we will provide you with benefit options that will work for your business. If you do not already have a completed census, then

Group Health Insurance 101

The 3 most popular types of group health insurance in Florida are:

Traditional or Indemnity Insurance
Health Maintenance Organizations (HMO's)
Preferred Provider Organizations (PPO's)

Traditional Insurance

Traditional insurance is the oldest form of health insurance. Also known as indemnity or fee for service insurance. Policyholders are free to utilize the services of the doctor, hospital or medical facility of their choice. Coverage is very straightforward. The insurance company pays your medical provider's fee, less your deductible and/or co-insurance. However, keep in mind that generally traditional insurance is very expensive and limited in its scope of coverage for 'well-care' i.e. physicals, routine office visits and immunizations.

Health Maintenance Organizations

Health Maintenance Organization's popularly known as HMO's are quite different from more traditional plans. With preventative medicine in mind, HMO's encourage physicals, flu shots, mammograms and well baby care. The hope is that through regular medical care, serious illnesses can be prevented or treated during early stages. Small co-pays for doctor visits and prescription drugs enable patients to maintain this level of preventative care. These type of plans are becoming more and more expensive due to the unexpected high utilization rates of individuals and groups. In other words, with very low co-pays, and actual out of pocket expenses, individuals are less likely to be concerned with the actual costs, and visit the doctor more often, and have more diagnostic tests done.

HMO's require patients to appoint a gatekeeper physician (referred to as your family doctor) to coordinate all medical care. Additionally, HMO policyholders must utilize a pre-determined network of doctors, hospitals and medical facilities. This aspect of HMO insurance is often the most controversial because of the availability of services in your area. There is always the concern that you may need a level of care that is not available in your HMO's network. Whether or not coverage will be extended outside the network, is left in the hands of HMO administrators. Also, HMO's are often more expensive nowadays than the newer hybrid plans which combine features of both the PPO and HMO plans to decrease utilization which in turn reduces the final costs to your business.

Preferred Provider Organizations, PPO

Add one part traditional and two parts HMO and you have the perfect recipe for a Preferred Provider Organization (PPO). PPO's offer policyholders a more liberal approach to managed care. You are not required to appoint a gatekeeper physician, and can coordinate your own medical care within the PPO network. To receive the highest level of benefits, you are required to utilize the PPO's network of doctors and hospitals. However, unlike an HMO, you are able to seek coverage outside the network. But keep in mind; you will have to pay a higher deductible and/or co-insurance for that convenience.

Whenever considering managed care products, whether it be a HMO or PPO, there is no guarantee that your favorite doctor will be a participating physician. Another factor? The network is not static. Doctors and hospitals can join or withdraw from the network at any time.

Choosing An Insurance Carrier

Whether you prefer traditional, HMO or PPO coverage, it is important to research the insurance company proposing coverage. You may be offered a terrific policy, with great premiums; but if the company cannot pay your claims - it is of little service. The insurance company you place your trust with should be financial sound with a history of excellence!

Often overlooked, but equally important - gauge the rate at which the insurance carrier pays claims. Typically, good insurance companies pay at a rate of 75 to 80% of UCR (Usual & Customary Rate determined by a Third Party). Even better? Those companies who pay at a rate of 90%! There are a number of organizations that rate insurance companies. A simple check with A.M. Best, Standards and Poors, Duff & Phelps or Weiss Research will provide you with the information you need to know!

Consider Your Choices

With so many options available, and over 800 companies offering some form of health insurance, the prospect of selecting a policy for your business can seem daunting. However, now that you understand the basic types of insurance, we can help you choose a plan plan best suited for you and your company. Carefully, review the insurance carrier, the benefits and limitations of the policy, and of course, the monthly premiums. Remember, that cheap can refer to more than just low cost.

to receive your free group health insurance quote now!

Nisona.com provides accurate and affordable online instant medical insurance rates from Blue Cross Blue Shield, United HealthCare, Humana, and Aetna for Florida small businesses for group health and the self employed. Try our free service today

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