Miami, Florida Area Group Health Insurance
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Our Miami, FL area insurance agents have created strong relationships with
some of the finest insurance carriers serving south Florida, while maintaining
our primary focus of serving the employer's needs.
Most businesses offering their employees Group Health insurance plans contribute towards the cost
of the coverage. Some pay for all of the employees' premiums (for single coverage) and have the
employees pay the premium if they need coverage for their families. Other small businesses pay a
percentage of the total health insurance premium cost.
As the cost of health care continues to increase at a rate much faster than inflation, many large
employers and small businesses in the Miami, Florida area choose to have their employees make a
contribution towards the cost of health insurance coverage.
Managed Care vs. Fee-for Service
The health insurance plan that works best for your business is determined primarily by your location,
the physicians and hospitals available through the health insurance plan, options offered by each
insurance plan, and what your budget can accept.
Learn more about the types of Group Health Insurance Plans we can offer your Florida
business by clicking on a link below!
Employee benefits are an important factor to any business in hiring and retaining a good work force.
We can provide assistance to your benefit administrator in answering employees questions and
requests pertaining to health insurance for groups of 20 or more. Every Miami, Florida area
business needs to review their employee benefit health insurance plan to ensure that this major
expense continues to offer the highest quality Florida group health insurance.
Click on the link below to fill out a secure quote request form for a lower cost Miami, FL area Group
Health Insurance coverage plan that regardless of whether you're a large employer or a small
business, will provide exceptional Florida group health insurance coverage for your business at an
affordable cost. After submitting the quote request form, a Florida Group Health Insurance agent
specialist in the Miami, FL area will contact you to speak with you in more detail about your
businesses Group Health Insurance needs and to provide you with a quote or quotes.
Miami, FL area insurance agents offering lower cost Florida small group health insurance
policy premiums to your small business located in any of the following south Florida cities and
counties: Coral Gables, Kendall, 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, Lauderhill, Sunrise, Tamarac, Fort Lauderdale, 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, South Miami, Cutler Ridge, Princeton, Perrine,
Naranja, Homestead, Florida City, Leisure City, Miami-Dade County, Broward County, and
Palm Beach County, FL. Miami, FL area insurance agents can also offer affordable Florida
group health insurance policy quotes to small businesses throughout the Sunshine State.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
PPO Insurance Plan (Miami, Florida Group Health Insurance)
A PPO group health insurance plan is recommended for a Miami, Florida area business desiring to
offer their employees convenient access to quality medical care with effective medical management,
a large and diverse network of primary care physicians, medical specialists, hospitals and clinics.
An employee can see any health care professional in the network any time they choose to make an
appointment. They don't need referrals for specialists or other services as required in an HMO. An
employee can see doctors or specialists outside your PPO network, however, your employees
portion of the costs will be higher.
An employee may have to pay some portion of the cost (co-payment) for each office or hospital
visit, such as $20 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 Miami, Florida PPO health insurance plan.
Click on the link below to fill out a secure quote request form for a lower cost Miami, FL PPO Group
Health Insurance coverage plan that regardless of whether you're a large employer or a small
business, will provide exceptional Florida group health insurance coverage for your business at an
affordable cost. After submitting the quote request form, a Florida Group Health Insurance agent
specialist in the Miami, FL area will contact you to speak with you in more detail about your
businesses PPO Group Health Insurance needs and to provide you with a quote or quotes.
A POS or Point-of-Service group health insurance plan allows your Miami, Florida area employees
the option of accessing any medical provider without a primary care physician referral and receive
the highest benefit level. Similar to an HMO, a POS stresses preventive care and offers closely
managed benefits. A POS health insurance plan also pays benefits for out-of-network care, but at a
lower level than for in-network care.
Costs that exceed the deductible are covered by a co-insurance plan in which your employee 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 Miami, Florida POS health insurance plan.
Click on the link below to fill out a secure quote request form for a lower cost Miami, FL POS
Group Health Insurance coverage plan that regardless of whether you're a large employer or a
small business, will provide exceptional Florida group health insurance coverage for your business
at an affordable cost. After submitting the quote request form, a Florida Group Health Insurance
agent specialist in the Miami, FL area will contact you to speak with you in more detail about your
businesses POS Group Health Insurance needs and to provide you with a quote or quotes.
Fee-for-Service group health insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care providers than
managed care health plans, such as HMO, PPO, and POS. Fee-for-Service employee health
insurance may not pay for some preventive care, such as check-ups, and is usually a more
expensive health insurance coverage than utilizing an HMO, PPO, or POS plan in the Miami,
Florida area.
Learn more about the other types of Florida Group Health Insurance we can offer your Florida
business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a lower cost Miami, FL Fee-for-
Service Group Health Insurance coverage plan that regardless of whether you're a large
employer or a small business, will provide exceptional Florida group health insurance coverage
for your business at an affordable cost. After submitting the quote request form, a Florida Group
Health Insurance agent specialist in the Miami, FL area will contact you to speak with you in
more detail about your businesses Fee-for-Service Group Health Insurance needs and to
provide you with a quote or quotes.
Fee-for-Service or major medical group health insurance provides benefits up to a high limit for
most types of medical expenses incurred, subject to a deductible. Once the deductible is met, this
type of group health insurance plan will 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're responsible for paying 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.
Miami, Florida area Fee-for-Service group health insurance allows your employee to choose their
doctor and any hospital for their medical services. Usually, an employee will have a deductible
such as $500 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.
Fee-for-Service health insurance coverages for employer sponsored employee benefits in south
Florida typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance options that can assist
your Miami, Florida area business in reducing employee benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Managed Care:
Fee-for-Service:
Fee-for-Service:
Managed Care:
Learn more about the other types of Miami, Florida area Group Health Insurance we can offer your
Florida small business by clicking on a link below!
HMO Insurance Plan (Miami, FL Area Group Health Insurance)
An HMO group health insurance plan helps your Florida business control health care costs
through a closely managed plan with an emphasis on preventive care. Each employee selects a
Primary Care Physician from a network of providers. The Primary Care Physician can coordinate
the total care of the employee to help ensure appropriate care is received. An employee may also
seek care from any provider in the network without a Primary Care Physician referral, subject to a
higher out-of-pocket expense.
Subscribers to an HMO receive medical services from participating physicians, clinics and
hospitals. An employee chooses a primary care physician from a list of participating doctors. That
doctor is used for typical circumstances such as annual exams and usual health issues. If the
employee needs to see a specialist, be hospitalized, or have lab or X ray work, their doctor will
refer them to a provider or facility within the HMO system. Your employees doctor must give
authorization for those services to be covered by your HMO. In other words, an employee must
see HMO approved physicians and use HMO approved facilities or pay the entire cost of the visit
themselves.
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
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.
An employee may have to pay some portion of the cost (co-payment) for each office or hospital
visit, such as $20 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 Miami, Florida HMO health maintenance plan.
Learn more about the other types of Miami, Florida Group Health Insurance we can offer your
Florida small business by clicking on a link below!
Managed Care:
Fee-for-Service:
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Miami, FL Area Group Health Insurance)
Learn more about the other types of Miami, Florida Group Health Insurance we can offer your
Florida small business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a secure quote request form for a lower cost Miami, FL HMO
Group Health Insurance coverage plan that regardless of whether you're a large employer or a
small business, will provide exceptional Florida group health insurance coverage for your business
at an affordable cost. After submitting the quote request form, a Florida Group Health Insurance
agent specialist in the Miami, FL area will contact you to speak with you in more detail about your
businesses HMO Group Health Insurance needs and to provide you with a quote or quotes.
Managed Care:
**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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