Fort Lauderdale, Florida Health Insurance Information
Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, Our Fort
Lauderdale, FL area insurance agents offer affordable HMO, PPO, POS, and
Major Medical Health Insurance policy coverages throughout south Florida.
Health insurance plans that allow you the most choices in doctors and hospitals also tend to cost
more than plans that limit choices. Individual and family health insurance plans that help to manage
the care you receive, such as PPO and POS plans, usually cost you less, but you must give up
some freedom of choice.
Learn more about Fort Lauderdale, Florida area HMO, PPO, and POS managed health care
insurance policies we offer throughout the Sunshine state by clicking on a link below or click on the
link for information on Major Medical health insurance.
HMO Health Insurance Policy Overview - Fort Lauderdale, Florida
Subscribers to an HMO receive medical services from participating physicians, clinics and
hospitals. You choose a primary care physician (PCP) from a list of participating doctors from
where you live in Florida. That doctor is used for typical circumstances such as annual exams
and usual health issues. If you need to see a specialist, be hospitalized, or have lab or X-ray
work, your doctor will refer you to a provider or facility within the HMO system. Your doctor must
give authorization for those services to be covered by your HMO. In other words, you must see
HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit
yourself.
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements for lower fees
with a network of health care providers and give their policyholders a financial incentive to stay
within that network.
You may have to pay some portion of the cost (co-payment) for each office or hospital visit,
such as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services
such as emergency room, mental health and chemical dependency services, may carry
additional costs in a Fort Lauderdale, Florida HMO health maintenance plan.
Click on the link below to fill out a secure quote request form for a Fort Lauderdale, FL HMO
Health Insurance policy that will provide excellent Florida health insurance coverage at an
affordable cost. After submitting the quote request form, Florida Health Insurance agents in the
Fort Lauderdale, FL area will contact you to speak with you in more detail about your HMO
Health Insurance needs and to provide you with a quote or quotes.
Learn more about the other types of Fort Lauderdale, Florida Individual or Family Health
Insurance polices we offer by clicking on a link below!
Fort Lauderdale, FL area insurance agents offering cheaper Florida family healthinsurance policy
premiums in the following south Florida cities and counties: Lauderhill, Sunrise, Tamarac, Wilton
Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach, Margate, Coral
Springs, North Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek, Deerfield Beach,
Boca Raton, The Hamptons, Highland Beach, Boca West, Delray Beach, Boca Pointe, Boynton
Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs,
Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West
Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach,
Loxahatchee, Belle Glade, Palm Beach Shores, Coral Gables, Kendall, Miami, Richmond
Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville,
Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens,
Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami,
Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North,
Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach,
Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale
Beach, Ives Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City, Davie, West Miami,
Weston, Plantation, Playland Isles, Melrose Park, South Miami, Cutler Ridge, Princeton, Perrine,
Naranja, Homestead, Florida City, Leisure City, Miami-Dade County, Broward County, and Palm
Beach County, FL. Fort Lauderdale, FL area insurance agents can also offer affordable Florida
individual health insurance policy quotes throughout the Sunshine State, including in Jacksonville,
Tallahassee, Orlando, Gainesville, Daytona Beach, St. Petersburg, and Tampa, FL.
Fort Lauderdale, Florida Area Insurance Agents
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Click on the link below to fill out a secure quote request form for a Fort Lauderdale, FL Health
Insurance policy that will provide excellent Florida health insurance coverage at an affordable cost.
After submitting the quote request form, Florida Health Insurance agents in the Fort Lauderdale, FL
area will contact you to speak with you in more detail about your Health Insurance needs and to
provide you with a quote or quotes.
Major medical health insurance provides benefits up to a high limit for most types of medical
expenses incurred, subject to a deductible. Once you meet the deductible, our Fort Lauderdale,
Florida Major Medical Insurance plans pay a percentage of what is considered the "Usual and
Customary" charge for covered services. The insurance company generally pays 80% of the Usual
and Customary costs and you pay the other 20%, which is known as co-insurance. If the insurance
company charges more than the Usual and Customary rates, you will need to pay both the co-
insurance and the difference.
With Florida Major Medical Insurance plans you can choose your doctor and any hospital for your
medical services. You or your doctor send the bill to the insurance company, which pays part of it.
Usually, you have a deductible such as $250 or more to pay each year before the insurer starts
paying. The plan will pay for charges such as medical tests and prescriptions as well as from
doctors and hospitals.
Major medical insurance coverages offer more choice of doctors (including specialists, such as
cardiologists and surgeons), hospitals, and other health care providers than managed care plans,
such as HMO, PPO, and POS. Florida Major Medical Insurance may not pay for some preventive
care, such as check-ups, and is usually a more expensive health insurance coverage than
utilizing a Fort Lauderdale, Florida area HMO, PPO, or POS plan.
Click on the link below to fill out a secure quote request form for a Fort Lauderdale, FL Fee-for-
Service Health Insurance policy that will provide excellent Florida health insurance coverage at an
affordable cost. After submitting the quote request form, Florida Health Insurance agents in the Fort
Lauderdale, FL area will contact you to speak with you in more detail about your Major Medical
Health Insurance needs and to provide you with a quote or quotes.
Learn more about the other types of Individual or Family Health Insurance polices we offer in south
Florida by clicking on a link below!
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
PPO Health Insurance Policy Overview - Fort Lauderdale, Florida
You can see any health care professional in the network any time you choose to make an
appointment. You don't need referrals for specialists or other services as you do in an HMO. You
can see doctors or specialists outside your PPO network, however, your portion of the costs will
be higher.
You may have to pay some portion of the cost (co-payment) for each office or hospital visit, such
as $20 - $30 per doctor visit, regardless of what the services cost. Also, some services such as
emergency room, mental health and chemical dependency services, may carry additional costs
in a Fort Lauderdale, Florida area PPO health insurance plan.
Click on the link below to fill out a secure quote request form for a Fort Lauderdale, FL PPO
Health Insurance policy that will provide excellent Florida health insurance coverage at an
affordable cost. After submitting the quote request form, Florida Health Insurance agents in the
Fort Lauderdale, FL area will contact you to speak with you in more detail about your PPO Health
Insurance needs and to provide you with a quote or quotes.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - Fort Lauderdale, Florida
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you see any
licensed health care professional for anything covered by the insurance. Care you receive from
out-of-plan health care professionals is reimbursed, but you must pay an often times much
higher co-payment or deductible amount. While you may choose to see a physician outside the
network, if you don't receive permission from your (PCP) primary care physician, you're likely to
end up submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which you and the
insurance company share the cost for services covered by the policy.
Also, some services such as emergency room, mental health and chemical dependency services,
may carry additional costs in a Fort Lauderdale, Florida POS health insurance plan.
Click on the link below to fill out a secure quote request form for a Fort Lauderdale, FL POS Health
Insurance policy that will provide excellent Florida health insurance coverage at an affordable cost.
After submitting the quote request form, Florida Health Insurance agents in the Fort Lauderdale, FL
area will contact you to speak with you in more detail about your POS Health Insurance needs and
to provide you with a quote or quotes.
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Fort Lauderdale, Florida area Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health Insurance polices we offer in south
Florida by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.
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