dramatically with OBAMACARE and the Affordable HealthCare Act. Since 1996, Hegeman
Insurance Brokerage, has served clients throughout the State of Florida
with health insurance for individual medical and small business owner medical plans,
dental plans, short term medical plans and
long term care plans.
Need more personalized help?
Use Our Contact Sheet
for immediate personalized quotes within 24 hours or call (407) 342-9945.
For a quick tutorial on basic health
insurance terminology, use the links below to get yourself up to speed
in a HURRY!
with the above info., which do you think would be
more expensive - group medical insurance or individual
medical insurance? If you said group medical insurance then
you are on the right track to understanding the main
difference between the two.
Essential Health Benefits and ObamaCare:
Ambulatory Patient Services;
2) Addiction Treatment;
4) Care for newborns and children;
5) Prescription drugs;
6) Annual check ups and wellness services;
7) Laboratory Services;
8) Occupational and Physical Therapy;
9) Emergency Services;
10) Mental Health Care;
11) Speech-language therapy;
12) Maternity Care;
13) Chronic diseage treatment.
Florida Group Insurance
people are shocked to learn that the cost of group, or
employer based health
insurance, is almost twice as high as the cost of individual
medical insurance. "How can that be?", they ask.
Well unlike most situations where sellers are more willing
to offer discounts to buyers of multiple units, group health
insurance is an exception. Consider an example, let's
say your employer just hired a new
co-worker and the spouse has cancer. By law, the
employer is forced to cover all the expenses associated with
the spouse's medical condition...even though they never would be approved for an
individual medical insurance policy. You as a healthy person
are in a sense subsidizing the cost of your unhealthy
co-worker (and all of the other unhealthy people) in paying
their premiums, thus driving up the cost of everyone's
health insurance premium.
people overlook is that in Florida, health insurers are required
to accept sick people along with healthy people on group plans as
opposed to an individual medical plans. Thus, it
only makes sense that insurers are going to charge more for
coverage where they can't screen out people with medical
conditions they don't want. Individual health
insurance does not work the same way, the insurer can be
picky and applications are subject to full medical
underwriting, hence the rates for individual health insurance are
Click here to get
a Group Health Insurance
quote your employer health
insurance when your next renewal
Need Life Insurance?
ability to earn an income can be considered your
family's most valuable asset because your income allows
you to obtain other assets, particularly the necessities
of life and, of course, the creature comforts. However,
as we know, the ability to earn an income is not
guaranteed. Yet, the need for income may continue for
those who were financially dependent upon you.
Consequently, your need for life insurance and the
amount will depend upon your personal and financial
circumstances. If any of the following statements apply
to you, you probably do need to consider life insurance:
More Info. on Florida
No matter where you look, you won't lower premiums than
you will find here on this
website. If you find a
lower price then you are not comparing the same plan or you are
using a different zip code. It makes your job a lot easier since you don't have to negotiate or jump from one website to the next
searching for the best deal.
There are no shortcuts to
lower Orlando health insurance
Many people don't realize that
health insurance coverage in Florida must be purchased through an agent and the rates can not vary from one site to the next...even if you call the
insurance company directly.
All rates are fixed by the Dept. of Insurance. This makes your job a little easier...no need to jump from
one site to the next.
Traveling? Visiting Florida from
overseas? Find great rates on
Travel Insurance that
work just like Florida health
insurance even if you are NOT a
U.S. citizen and living in
Agency, Agent since 1996
400 E. Colonial Dr. Suite #1302
Orlando, Fl 32803-4517
National Producer Number: 1020034
Florida Health Insurance Agent #A115384
if you are searching for more affordable Florida health insurance, your search is over! On this website you will find a cross-section of
the most affordable individual health insurance plans in Florida.
We guarantee our rates to be the lowest
you can find.
OBAMACARE and the Affordable Care Act is here!
Do you need help from a Navigator with selecting a plan for 2014 and beyond?
have an individual health insurance plan in place before March of 2010
(with certain restrictions) you may keep it until
the end of 2014. Or you may elect to enroll in one of the plans
that are available on the Health Insurance Exchange, the open enrollment
period ends March 31st. We can help you
NOW with your quotes
and calculate your subsidies. You will need to
fill out our
with information about your Modified Adjusted Gross Income (MAGI).
As part of ObamaCare, all health plans sold for next year will meet 10
minimum standards called, Essential Health Benefits or you will be
subject to a $95 fine or 1% of your income for every person in your
household who does not have health insurance, whichever is greater. And,
this fee increases every year. These essential health services include
but are not limited to: maternity and newborn care, routine wellness
exams and preventative services, chronic disease management, dental and
vision care for young children.
Starting in 2014 you can not be denied health insurance regardless of
your medical history nor can you be charged more for preexisting health
conditions. However, the insurance companies can "rate-up" for such
things as smoking, age and geographical location.
HMO vs. PPO
Two carriers have opted to revert to HMO type plans (Humana and United
HealthCare) in order to meet the mandates of the Affordable Care Act. Do
you understand the advantages and disadvantages of each? Which one
restricts your access to only in-network providers? Which one
requires you to get a referral from a Primary Care Physician before you
can see a Specialist? Which one has immediate access to Urgent
Care Centers? Which one has limited flexibility and Gag Rules
preventing doctors from discussing more expensive options?
Knowledge is power.
You may qualify for government assistance in the
form of Advanced Premium Tax Credits when
purchasing a "Silver Plan" only, which can lower your monthly
premiums. Your health insurance premium
will be calculated according to your adjusted gross
income. Other income to include in this calculation include:
rental income, annuities, dividends, capital gains, alimony and some
retirement and pensions. Please call for details on how that works
because the exchanges are slow getting that information available.
There are three (3) key dates to remember for ObamaCare:
1.) October 1st, 2013: Marketplace Open
2) January 1st, 2014: Earliest effective
3) March 31, 2014: End of Open
Enrollment, Special Exceptions are available after the Open Enrollment
Period ends for such life changing events as termination of Employer
Coverage; births, deaths and moving from one area to another.
The rates you find here and the lowest you will find; Hence, no need to
jump from one website, or
agent, to the next. It makes both our jobs a little easier - don't
Use our short online form to have us help you with your next plan
customized Florida health insurance quote from all of the top "A" rated insurance
This method is especially useful if you have preexisting conditions.
today so we can help you with a quote or with your questions in Orlando:
Do you have preexisting conditions that are well controlled and want a more affordable alternative? Or, are you waiting for employer coverage to start?
Maybe you're just looking for a less expensive alternative to major medical coverage? Consider the low cost advantages of a
Short Term Health Insurance
plan with up to $2 million
Click here for more info. on
Orlando Dental Insurance
Orlando Fl A true Co-pay Plan, not a Discount Plan...selling
dental insurance to
individuals for more
then 16 years.
Co-Pay Office visits
$110 Deep Cleaning
$245 Crown + Lab
$250 Veneers +
increase with Age.
Yearly Dollar Cap