Florida health  insurance  premiums have never been higher.  If you are looking for more affordable health insurance coverage you have come to the right place.   Hegeman Insurance Brokerage was founded in 1996.  Since then our Orlando independent health insurance agency has been helping our clients find affordable rates from the strongest, "A" rated carriers throughout Florida and Missouri.  We're glad you found us, welcome to our website!

Did you know the premiums on those health insurance plans you are researching are fixed by Florida Department of Insurance law? You can not find a better price anywhere for the same health insurance plan.  If you find a lower price then you are not comparing the same plan. It makes your job a little easier, no need to negotiate or jump from one website to the next searching for a better deal.  Using a Florida health insurance broker doesn't cost you a dime — the commission is built into their rates and paid entirely by the carrier.

Start by comparing 30+ of the newest and most affordable health insurance plans in Florida.  We offer one of the largest and most complete selections on the web.  Our online Florida health insurance quoting system is state-of-the-art and allows you to access rates instantly and easily.  Your quotes and online applications are backed up by secure servers that utilize VeriSign and the strongest secure socket layer (SSL) encryption technology available for e-commerce 24/7/365. If you choose to submit an application during normal business hours, processing begins immediately. Feel free to make changes to your plan selection or withdraw with a full refund at anytime.  You also have a 10 day "free look" period, as required by Florida insurance law, after you receive your ID cards and printed policy to make plan changes or withdraw. You won't find lower prices anywhere for health insurance in Florida, and your total satisfaction is guaranteed.

A short call to (407) 425-9347 will get our immediate help with quotes from multiple carriers, or if you use our short online form we can  help you find affordable insurance coverage.  This is the best way to get the best values available since NOT ALL CARRIERS PARTICIPATE IN THE ONLINE QUOTING REFERENCED ABOVE.

Our physical office is located in downtown Orlando.  We are an independent, insurance brokerage agency that offers personalized service to the small business owner and the self employed.  Whether its' major medical Florida health insurance, Florida maternity coverage (that is both affordable and comprehensive), temporary health insurance, dental insurance, a Health Savings Account or even Term Life Insurance, you will not find better service or lower rates, anywhere. Since 1996 we've been one of the largest online agencies offering our clients unbiased access to a COMPLETE cross section of  the top "A" rated Florida health insurance plans. 

Fed up with the soaring cost of health insurance,  seemingly random underwriting rules, denied claims and  canceled coverage?  Do you ever bother to read and  compare the Limitations and Exclusions Sections of a policy when shopping online? Searching for affordable plans with bullet proof protection can be a mind numbing and costly experience for the novice.

An Independent Agent can be a valuable partner, he can: 1.)  get you better coverage and more benefits for a lower premium; 2.)  expedite the payment and handling of your Claims;  3.)  provide assistance with billing issues;  4.)  keep you abreast of industry trends; 5.)  keep your premiums affordable at renewal time; 6.)  help you understand your coverage; and finally, 6.)  help you with other insurance needs. The services of a licensed health insurance broker are free. The commission is paid entirely by the carrier and built into the pricing structure regardless of who you buy the coverage from. The carrier is prohibited from selling the policy any cheaper if an individual does not use an independent agent.

 
Cover Florida has arrived! It's guaranteed-issue, so people with serious

The State has released it's new Cover Florida plans with guaranteed and affordable health

Cover Florida has arrived the new guaranteed issue Florida health insurance coverage! But where's the beef? Read more about the coverage and why you need to look before you leap.

Affordable Florida health insurance coverage

• Florida Maternity Coverage - if you're already pregnant I can't help you (unless you're coming off COBRA) but if you're not there are a couple of plans you will be interested in looking at. One  plan from a Fortune 500 Company provides 100% coverage after either a $1000 or a more affordable $2500 deductible. Cost effective Supplements are also available that treat pregnancy claims as any other illness. No waiting periods and benefits can cover up to 75% of your costs! 

• Temporary Health Insurance in Florida  Have you had trouble getting approved on a traditional health insurance plan? Are COBRA costs killing you? Do you have health issues involving abnormal test results (pap smears etc.), non-insulin Type 2 Diabetes, cholesterol/blood pressure, allergies, height and weight, smoking or tobacco products, mental and nervous disorders? Short Term health insurance is very easy to qualify for with only about 5 medical questions.

• Affordable  health insurance coverage in Orlando - health topics and current news for local residents.

 

 

Florida health insurance doesn't have to be expensive. Read this short article on a safe way to cut your premiums in half while still maintaining the core coverage you need.
 

Finally some good news if Cobra is in your future.  The American Resources, Recovery and Reinvestment Act of 2009 was signed into law by President Obama February 17th. Included in this stimulus package was an expansion of COBRA rules to provide a nine-month COBRA premium subsidy of 65% to individuals and their families who were (or may become) involuntarily terminated from employment between September 1, 2008 to December 31, 2009.  Read this short article and learn more about COBRA and HIPAA.

 

Helping you find affordable health insurance coverage is our common goal. We both have families and we are self-employed. We are small business owners and professionals that can’t rely on large group plans and must rely on individual health insurance plans.  When you obtain an insurance plan from this office, we makes ourselves available whenever needed to answer questions; assist with filing claims; provide timely reviews and keep you informed of industry trends. So feel free to explore our website and let us know if we can help in anyway. Have a good day.

Affordable health insurance coverage for Orlando residents:  June 2009

Florida health insur-ance has gotten expensive and deductibles higher. Here are some tips on how to control costs in the Orlando area as well as some related info.

SENIORS:
Florida Discount Drug Card Program; prescription coverage for seniors age 60 and over...call 1-866-763-9630

Affordable coverage comes at a price, usually in the form of  higher deductibles. 1.) Lower your costs by staying in your PPO network. Discounts of as much as 60% are not uncommon for certain tests and procedures.  2.) Prices for diagnostic tests vary depending on the testing center you call.  Just ask your provider for the Current Procedural Terminology (CPT) code and then you can comparison shop on tests as well.

Florida Hospital Fish Memorial: Orange City, Fl - just off I-4. Inexpensive blood work on the 2nd Tuesday of every month. No doctor prescription necessary, no appointments, 7:30-9:30 a.m.

RELATED INFORMATION:

Going on a vacation? Foreign travel always involves risks not the least of which is paying for any medical attention you might need. Travel Insurance is ideal if your travel plans involve going outside  the U.S.. 

Just moved to Florida from overseas, or Canada?  If you are not a U.S. citizen then a Travel Insurance Plan might be just the answer. Excellent coverage for up to $1,000,000 in benefits.  Policies issued within 24 hours.

 

Go Nittany Lions - Class of '75!

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HEGEMAN INSURANCE BROKERAGE, since 1996 400 E. Colonial Dr. Ste. 1302, Orlando,  FL 32803 ph: 407.425.9347 / 407.342.9945 fx: 407.423.7483 | email:  info@healthinsurance

Florida Dept. of Insurance License # A115384