Florida health insurance premiums have never been higher!  Welcome to our website, we are a local Orlando health insurance agency offering you a cross-section of the most affordable and highest rated PPO Florida health insurance plans as well as dental, life insurance and employer based Florida small group health insurance. 

Preexisting Conditions and Florida Health Insurance:

Do you have preexisting conditions and have you been declined for major medical health insurance?  Individual medical insurance in Florida is different from group medical insurance in Florida because of the fact that the underwriting departments at each Florida insurance company will scrutinize very closely any pre-existing conditions that an applicant has in their health history (going back up to 10 years) if they are applying for an individual policy.

 

Type 2 Diabetes?  Call us or use our contact sheet.  We have major medical plans if you are non-insulin dependent and your condition is well controlled with diet, exercise and medications. 

In Search Of Cheap Florida Health Insurance Rates ?

Everyone is looking for cheap health insurance and why not?  But like the saying goes, "you get what you pay for", so should you also be cautious about erring on the side of throwing caution to the wind.  Sometimes without consideration for what is the right choice for your situation people jump at the lowest cost option. Make sure you first understand basic concepts with individual health insurance.  Use the following links for a little refresher course.

Armed 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.

Affordable Florida Group Health Insurance 101

Some 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.

What people overlook is that in Florida, 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 relatively cheap.

If at this point, your understanding of health insurance has been turned up-side down, RELAX! Shopping for health insurance in Florida 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.

The key 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.

Limited Benefit, Guaranteed Issue Individual Health Insurance Coverage.  No medical declines.  Guaranteed Issue health insurance will either cover preexisting conditions immediately or within 12 month. However, they are not intended to be substitutes for major medical health insurance.  Here are some highlights:

• Doctor Office Visits Covered.
• $10,000 Guaranteed Issue Term Life Insurance, No medical exams or tests required.
• $1,000.00 Emergency Room Benefit. (Covers injury and sickness)
• Wellness Visits
• $10,000 Critical Illness Insurance. Paid in addition to any other benefit in the Certificate!
• Surgery benefit is NOT limited to the Surgeon's fee only. Includes operating and recovery room charges, medicine and much more!
• $5,000 Excess Accident Medical Expense Benefit, per accident!

Individual Florida Health Insurance Quotes

Did you know that premiums can't vary from one website to the next? Premiums on each health insurance plan are approved and fixed by Florida Department of Insurance law for each company...no ifs, ands or buts. 

No matter where you look, you won't find lower premiums than you will find here on this website. If you do then you are not comparing the same plan or you might be using a different zip code.  It makes your job a lot easier since you don't have to negotiate with anyone or jump from one website to the next searching for the best deal. I live and work in Central Florida and have been selling health & life insurance just about every day for the last 15 years. It's not rocket science but I have managed to learn a few tricks over the years that can save you time and money.  Thank you for taking time out to read through at least some of this and I look forward to hearing from you some time soon!