FL Family Health Insurance Information

South Florida Family Health Insurance

Family or individual health insurance can provide the
important protection needed in the event of illness and
for regular preventive insurance care. Using the strength
and experience of our health insurance markets we can
offer affordable family or individual health insurance
coverage to south Florida residents.

Individual and family 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 usually cost you less,
but you must give up some freedom of choice.

Click on the link below to fill out a quote form for a
Florida family or individual health insurance plan that
will provide first class health insurance coverage at an
affordable cost. Or call us toll free at 1-866-454-
9555 to discuss the features. Learn more below!

We provide affordable Florida family and individual health insurance services to
the following south Florida cities and counties: 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, Leisure City, Key Largo,
Tavernier, Islamorada, Key Colony Beach, Marathon, Big Pine, Summerland
Key, and Key West, FL.

"Your local South Florida family health insurance specialist!"

* Must get a referral from your PCP to visit a specialist

* Primary care physician (PCP) coordinates your total
care

Florida Family or Individual HMO Health Insurance Plan

Family or Individual HMO Health Insurance Plan Overview

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. 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.

Like 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 $10 - $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 an HMO health maintenance plan.

Florida Family or Individual PPO Health Insurance Plan Features

Family or Individual PPO Health Insurance Plan Overview

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 $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 PPO health insurance plan.

Florida Family or Individual POS Health Insurance Plan Features

* Preventive care emphasis

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

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.

Click on the link below to fill out a quote form for a south Florida family or
individual health insurance plan that will provide first class health insurance
coverage at an affordable cost. Or you can call us toll free at 1-866-454-
9555 to discuss the policy features in more detail.

* Convenient access to quality health care

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

Family or Individual POS Health Insurance Plan Overview

Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a POS health insurance
plan.

Insurance Benefit Agency, Inc.

Florida Family Health Insurance

* Preventive care emphasis

Answer a few questions and
we will provide you with a no
obligation quote by phone.
Choose the Florida personal

or business insurance
coverage you're interested in
from a menu above.

"Your south Florida

Family Health

Insurance Agent"

Request a Quote Here!

Individual Insurance

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

Florida Website Builder & Maintained by InsuranceWebsiteServices.com

Click on the link below to fill out a quote form for a Florida PPO health
insurance plan that will provide first class health insurance coverage at an
affordable cost. Or call us toll free at 1-866-454-9555 to discuss the
features.