Since 1996, Hegeman
Insurance Brokerage, has served clients throughout the State of Florida
with individual medical and small business owner medical plans,
dental plans, short term medical plans and
long term care plans.
may have discovered that Florida health insurance is some of the most
confusing and expensive long term commodities you will ever shop for. Our Orlando
health insurance agency
offers one of the largest and most
complete selections of health, life and Medicare supplements on the web.
Our instant, online
insurance quoting system is state-of-the-art and
allows you to compare rates in less then 10 seconds from
United Health Care, Humana, Celtic and Assurant, to name a few. Your
information is protected by VeriSign and the strongest secure socket
layer encryption technology available for e-commerce 24/7/365.
Need more personalized help? Use our
for immediate quotes within 24 hours or call (407) 342-9945.
Quote In Florida
Do you have preexisting conditions and have you
been declined for major medical health insurance? The underwriting of individual medical
insurance in Florida is different from group medical insurance. With respect to Group,
or Employer coverage, the underwriting is waived because in Florida it is guaranteed
issue. Not so with individual applications where the underwriting departments at each Florida insurance company will
scrutinize very closely for any pre-existing conditions in your health history.
Not a U.S. citizen?
Call us or use our
We have major medical
plans if you are
in reasonably good
health and plan on
spending some time here
in the Sunshine State.
Searching for Affordable
Florida Individual Health Insurance Quotes? Everyone
is looking for cheap health insurance and why not? But
like the saying goes, "you get what you pay for", so should
you be cautious in this situation. Don't be tempted to
jump at the lowest cost bidder that wants to sign you up!
These are shark infested waters and some people don't know
any better than to dive right in. That's why we've put
together a little refresher course to bring you up to speed
so that you understand at least a few of the basic terms.
Use the links below to explore terms you may need some help
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.
Florida Group Health 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
this point, your understanding of health insurance has been
turned up-side down, RELAX! Shopping for Florida health insurance does not have to be
a long, drawn out and mind-numbing experience. Focus on a few basic
principles of health insurance in Florida, do a little
research and then find an affordable and comprehensive policy that
fits your situation.
phrase here is, "affordable and comprehensive"
health insurance in Florida. And, for the same reason
you wouldn't necessarily purchase the cheapest car
on the lot, you should be equally wary of purchasing cheap Florida health
insurance. Obviously other factors come in to
play. Look for
the plan that strikes the proper balance between
affordability and protection as well.
Group Health Insurance Census
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:
You have a spouse; You
have dependent children; You have an aging parent or
disabled relative who depends on you for support; You
have another loved one that you wish to provide for; You
have business or estate planning needs that life
insurance can satisfy; Your retirement pension and
savings are not enough to insure your lived ones'
futures against a rising cost of living.
Did you know that premiums can't vary from one website to the
next? Premiums on each Florida health insurance plan are approved and fixed by
the State Department of Insurance for each company. No
deviations are allowed, or the insurance carrier will be asked
to hit the road. Each
year, every insurance company submits their premiums for each
plan to Tallahassee for approval...and they can not deviate from
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.
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. Why? Our rates are taken directly from the
insurer, and premiums are fixed by Florida
Department of Insurance Law...hence, they can't vary from one website, or
agent, to the next. It makes both our jobs a little easier!
Use our short online form to have us help you with your next plan
Get a 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
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 sales must go through an agent and 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. So, what other reasons are there to use a local agent?
Well, accessibility and continuity for one thing. If you go through a local, and independent agent, he or she can offer you unbiased and first-hand knowledge of all the
choices available to you. You can also rely on us to give you quicker and more reliable assistance down the road.
Have you ever tried to get help on a claim with an insurance company? We want to earn your business, and we will!
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
frightening words, but medical
technology has dramatically
increased the chances of
surviving and living long beyond
recovery. However, the costs of
fighting and surviving a
critical illness could go far
beyond what you can imagine –
even beyond what other plans are
meant to cover or if you have a
high deductible and coinsurance
Critical Illness offers:
Call (407) 342-9945
for more information.
If you have
a high deductible plan you need to
consider the inexpensive testing
offered at Florida Hospital Fish Memorial:
Orange City, Fl - just off I-4.
Affordable blood work on the
2nd Tuesday of every month. No
doctor prescription necessary,
no appointments, 7:30-9:30 a.m.
Cardiac Risk Profiles
(Lipid Panel) $15.00
- Glucose/Diabetes Screening
Colon Cancer Screening $4.00
PSA blood tests...$21.00
Medicare Supplement Quotes
Looking for a better Florida Medicare plan? Let us help!
Medicare has four main plans. Part A, Part B, Part C, and Part
D. Each different plan serves a different purpose in your
Florida Medicare coverage. Medicare has four main parts: Part A
covers the hospital and nursing facility Part B covers the
doctors and medical services Part C covers the Medicare
Advantage Plans Part.
East Orlando, Fl
— In an effort
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TEST NOW®, the nation's fastest
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opened its newest retail
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Florida. ANY LAB TEST NOW®
Orlando testing facility in East
Orlando is Now Open!
Phone: (407) 737-8378
Do you need inexpensive,
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H.I.V., Diabetes, Colon Cancer,
Kidney function, Allergies,
Urinary Tract Infections,
Healthcare USA Offers BIG
Savings On other diagnostic
tests if you have a high
deductible Florida health
and the Daily Energy
Routine:1:30-2:30 p.m. third
Monday of the month; M.D.
Anderson Cancer Center Orlando,
1414 Kuhl Ave., Orlando; free.
Free Melanoma Testing:
Every Monday between 3:30-5:30,
Associates in Dermatology, 9430
Turkey Lake Rd., Ste. 212,
Fl 32819 - (407) 363-7723
HIV Testing: 5:30-7:30 p.m.
Tuesdays; Gay, Lesbian &
Bisexual Community Center, 946
N. Mills Ave.; free;
Free Vision Screenings: Orange
County Health Dept. 1st Friday
of each month 1:00-4:00 pm 1st
Floor, Main Building 832 West
Central Boulevard Orlando,
Florida Discount Health
If you learn nothing from this
website please understand that
Discount health plans are not
insurance! Do this
little reality check, go to any
major search engine and type in,
"Discount health plan warning"
and be prepared to look at a jaw
dropping list of
government warnings that tell
consumers to beware of discount
health plans. If it sounds too
good to be true then it probably