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Affordable florida health insurance
Florida Health Insurance Quote
Total Florida Residents: 20,545,300
Total Florida Uninsured Residents: 12%
Total Florida HMO Enrollment: 5,928,652
Avg Annual employee premium in FL employer-sponsored plan (after employer contribution): $1,568
Avg Florida hospital cost per inpatient day (before insurance): $2,087
Top Rated Agency!
First Family Insurance
“My agent was very helpful and patient giving me all the info I needed to select a plan. I could never have done this myself. He saved me from paying a higher monthly premium, and I appreciate all he did for me.”
More than just a Health Insurance Quote
First Family Insurance works with insurance carriers that offer a variety of health insurance plans for individuals and families. With us, you can compare coverage plans from various providers and select the plan suited for your needs and budget. Our available product offerings through the nations top carriers encompass coverage and discounts for labs, pharmacies, primary care physician offices, radiology, and extended hours care centers (urgent care). We are attentive to every detail when it comes to your insurance, health, and wellness needs, and we aim to provide service you can count on.
Access to the Best Plans
Our nation’s top carriers have recognized our commitment to excellence. This recognition has granted us access to plans reserved for top performing agencies.
Experienced in the Industry
With more than 10 years of serving clients, our agency has been able to navigate through the many changes to healthcare throughout the years.
Easy to Understand Options
We believe simplicity makes things better for everyone. Let us guide you through the insurance market and help you make the best decision for you and your family.
We create and maintain lasting relationships with each of our clients through trust and reliability.
Budget Friendly Plans
Our Clients Come First
What is health insurance?
Health insurance helps you pay for medical services. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses–usually a certain dollar amount or percentage of the expenses.
What types of Health Insurance plans are available?
When buying health insurance, your choices typically fall into one of three categories:
Health maintenance organizations (HMOs) offer lower co-payments and cover the costs of more preventive care, but your choice of health care providers is limited to those who are part of the plan.
Preferred provider organizations (PPOs) offer lower co-payments like HMOs but give you more flexibility in selecting a provider.
Choosing a health insurance plan.
Do I have the right to go to any doctor, hospital, clinic, or pharmacy I choose?
What is the most I will have to pay out of my own pocket to cover expenses?
Does the plan cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?
The more questions you ask, the more informed you’ll be. Working with an experienced agent will make the difference between coverage that just works, and coverage that meets your needs.
What is the Health Insurance Marketplace?
A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at Healthcare.gov, for most states. Some states run their own Marketplaces.
What is COBRA?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to choose to continue group health coverage provided by their group health plan for limited periods of time. There are three basic requirements that must be met for you to be entitled to elect COBRA continuation coverage:
Your group health plan must be covered by COBRA
A qualifying event must occur (for example, voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, or divorce)
You must be a qualified beneficiary for that event
If you are entitled to elect COBRA continuation coverage, you must be given an election period of at least 60 days to choose whether or not to elect continuation coverage.
How do I get COBRA coverage?
Under COBRA, group health plans must provide covered employees and their families with a notice explaining their COBRA rights. Plans must also have rules for how COBRA continuation coverage is offered, how qualified beneficiaries may elect continuation coverage, and when it can be terminated. COBRA is usually more expensive and the consumer could take on additional fees associated with this type of coverage.
What is Long-Term Care (LTC)?
Long-term care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities. Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. You should consider the cost of long-term care insurance as you plan for retirement. These questions can help you evaluate long-term care insurance policies.
What qualifies you for benefits?
Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet, and remaining continent.
What type of care is covered?
Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?
What will the benefits amount be?
Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.
What is the benefits period?
It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.
Is the benefit adjusted for inflation?
If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.
Is there a waiting period before benefits begin?
A 20 to 100 day period is not unusual.
Speak to an agent today to discover how we can help you with your health insurance needs.
7800 University Pointe Drive
Fort Myers, FL 33907
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