Employee Benefit Group Health Insurance

Employee benefits are an important factor to any business
in hiring and retaining a good work force. Every Florida
business needs to review periodically their employee
benefit health insurance plan to ensure that this major
expense continues to offer the highest quality group health
insurance.

You can depend on us to inquire on behalf of you with
many dependable Health Insurance companies, to find an
affordable medical plan that is specifically structured to
your budget and your employees medical protection.

We also will assist your benefit administrator in answering
employees questions and requests pertaining to Florida
group health insurance.

PPO Plan Features (Group Health Insurance Plan)

PPO Plan Overview (Group Health Insurance Plan)

A PPO group health insurance plan is recommended for
businesses wanting 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.

HMO Plan Overview (Florida Group Health Insurance)

HMO group health insurance helps your south 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.

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 $15 - $25 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 Florida HMO health maintenance plan.

POS Plan Overview (Florida Group Health Insurance)

A POS group health insurance plan allows employees the option of
accessing any medical provider without a primary care physician
referral and receive the highest benefit level. Similar to an HMO, it
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 POS health insurance plan.

"Your local South Florida group health insurance agent specialist!"

We offer affordable Florida group health insurance plan premiums to businesses

located in the following south Florida counties and cities: Miami-Dade

County, Broward County, Palm Beach County, 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, Indian Creek, Surfside, Bal Harbour, North

Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park,

Hialeah Gardens, Palm Springs North, Carol City, Miami, 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, 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, and

Leisure City, FL

* Convenient access to quality medical care for employees

* Large and diverse network available of primary care
physicians, specialists, hospitals & clinics.

An employee may have to pay some portion of the cost (co-payment)
for each office or hospital visit, such as $15 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 Florida PPO health insurance plan.

HMO Plan Features (Florida Group Health Insurance)

Insurance Benefit Agency, Inc.

Florida Group Health Insurance

Click on the link below to fill out a quote form for a Florida
employee benefit health insurance plan that truly provides first class
health insurance coverage at an affordable cost for your Florida
businesses most important assets, your employees. Or you can call
us toll free at 1-866-454-9555 to discuss the policy features.

POS Plan Features (Florida Group Health Insurance)

* Preventive care emphasis

* Primary care physician coordinates the total care of the employee

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

Group/Employee

Benefit Insurance

Answer a few questions and
we will provide you with a no
obligation quote by phone.
Choose the FL individual or
group insurance coverage
you're interested in from a
menu above.

"Your south Florida

Group Health

Insurance Agent"

Request a Quote Here!

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Property Underwriters of Florida

Insurance Benefit Agency, Inc.

409 W. Hallandale Beach Blvd.

Suite # 215

Hallandale, Florida 33009

(305) 931-5988

(954) 454-9599

Toll Free: (866) 454-9555

Fax: (954) 843-0313