Answer: WRONG ! on many plans.

Example : Aetna POS plans, United Co Pay Plus , Humana Portrait
Only when you need services that "Cannot" be billed thru the Doctors office. IE; Hospital, MRI, surgeries
Example : Aetna POS 2500 plan. Broken leg.
I go to the Orthopedic Doctor (Specialist no referral needed) They x ray my leg  put me in a cast and send me home.
Cost: Dr Specialist Co pay, 2500 plan ; $40.  That all !

When do deductibles and coinsurance cost me ?
Examples: Hospital, MRI, X-rays outside the Doctors office etc..
Plan exceptions: HSA's. United Healthcare, "Plan 100's", Look for the phrase "Deductible Waived".

Hot tip* Bill's Formula-" Deductibles, coinsurance and maximum out of pocket"

They tease you with a entry rate and boom ! One month later I get a bigger bill .....WRONG !

Answer: Policies have a ONE YEAR rate guarantee minimum, they are called filed rates. Rates are filed with the Florida Department of Financial services. Once approved they are the rate.

Exception: When initially applying for health insurance you can be denied coverage because of Health Conditions. You can have your rate raised higher (with notification) after under witting has reviewed you initial application. After renewal you rate can change (1 year later). We recommend that you call or email us at renewal time to discuss alternate pricing and plans. Just to make sure that you have the best plan that meets your needs and budget.

There are policies that have a 3 year rate guarantee ( Call Us)

Answer: No such thing ! Never has been.

Example: A good friend bought a policy from a very reputable major carrier. Her regular cost for a 2500 plan ( Full comprehensive plan with a 5 million dollar lifetime cap) would have been $ 235 per month . She called and said she found a real bargain for a 2500 plan for $112 per month. She said it had the same co pays and paid her $500 a day for a hospital stay. Not reading the plan summary or consulting with Healthy Florida, she applied for the plan. After all she said "This is one of the biggest companies in Florida"

Problem: The plan

• Indemnity for Hospital says $500 per day. Most stays are over $5000 per day !
• The lifetime limit was $10,000.  Most good plans are 1- 5 million dollars ! After $10, 000 you are on your own. OUCH!
• 1 Hospital visit a year covered. Note: Regular full comprehensive Insurance generally does not limit your Hospital benefit.
• Prescription are generally omitted or very limited in these plans

Answer: No such thing ! Never has been.

Example: A good friend bought a policy from a very reputable major carrier. Her regular cost for a 2500 plan ( Full comprehensive plan with a 5 million dollar lifetime cap) would have been $ 235 per month . She called and said she found a real bargain for a 2500 plan for $112 per month. She said it had the same co pays and paid her $500 a day for a hospital stay. Not reading the plan summary or consulting with Healthy Florida, she applied for the plan. After all she said "This is one of the biggest companies in Florida"

Problem: The plan

• Indemnity for Hospital says $500 per day. Most stays are over $5000 per day !
• The lifetime limit was $10,000.  Most good plans are 1- 5 million dollars ! After $10, 000 you are on your own. OUCH!
• 1 Hospital visit a year covered. Note: Regular full comprehensive Insurance generally does not limit your Hospital benefit.
• Prescription are generally omitted or very limited in these plans

They tease you with a entry rate and boom ! One month later I get a bigger bill .....WRONG !

Answer: Policies have a ONE YEAR rate guarantee minimum, they are called filed rates. Rates are filed with the Florida Department of Financial services. Once approved they are the rate.

Exception: When initially applying for health insurance you can be denied coverage because of Health Conditions. You can have your rate raised higher (with notification) after under witting has reviewed you initial application. After renewal you rate can change (1 year later). We recommend that you call or email us at renewal time to discuss alternate pricing and plans. Just to make sure that you have the best plan that meets your needs and budget.

There are policies that have a 3 year rate guarantee ( Call Us)

They tease you with a entry rate and boom ! One month later I get a bigger bill .....WRONG !

Answer: Policies have a ONE YEAR rate guarantee minimum, they are called filed rates. Rates are filed with the Florida Department of Financial services. Once approved they are the rate.

Exception: When initially applying for health insurance you can be denied coverage because of Health Conditions. You can have your rate raised higher (with notification) after under witting has reviewed you initial application. After renewal you rate can change (1 year later). We recommend that you call or email us at renewal time to discuss alternate pricing and plans. Just to make sure that you have the best plan that meets your needs and budget.

There are policies that have a 3 year rate guarantee ( Call Us)

Answer: No such thing ! Never has been.

Example: A good friend bought a policy from a very reputable major carrier. Her regular cost for a 2500 plan ( Full comprehensive plan with a 5 million dollar lifetime cap) would have been $ 235 per month . She called and said she found a real bargain for a 2500 plan for $112 per month. She said it had the same co pays and paid her $500 a day for a hospital stay. Not reading the plan summary or consulting with Healthy Florida, she applied for the plan. After all she said "This is one of the biggest companies in Florida"

Problem: The plan

• Indemnity for Hospital says $500 per day. Most stays are over $5000 per day !
• The lifetime limit was $10,000.  Most good plans are 1- 5 million dollars ! After $10, 000 you are on your own. OUCH!
• 1 Hospital visit a year covered. Note: Regular full comprehensive Insurance generally does not limit your Hospital benefit.
• Prescription are generally omitted or very limited in these plans

Answer: No such thing ! Never has been.

Example: A good friend bought a policy from a very reputable major carrier. Her regular cost for a 2500 plan ( Full comprehensive plan with a 5 million dollar lifetime cap) would have been $ 235 per month . She called and said she found a real bargain for a 2500 plan for $112 per month. She said it had the same co pays and paid her $500 a day for a hospital stay. Not reading the plan summary or consulting with Healthy Florida, she applied for the plan. After all she said "This is one of the biggest companies in Florida"

Problem: The plan

• Indemnity for Hospital says $500 per day. Most stays are over $5000 per day !
• The lifetime limit was $10,000.  Most good plans are 1- 5 million dollars ! After $10, 000 you are on your own. OUCH!
• 1 Hospital visit a year covered. Note: Regular full comprehensive Insurance generally does not limit your Hospital benefit.
• Prescription are generally omitted or very limited in these plans

Answer: No such thing ! Never has been.

Example: A good friend bought a policy from a very reputable major carrier. Her regular cost for a 2500 plan ( Full comprehensive plan with a 5 million dollar lifetime cap) would have been $ 235 per month . She called and said she found a real bargain for a 2500 plan for $112 per month. She said it had the same co pays and paid her $500 a day for a hospital stay. Not reading the plan summary or consulting with Healthy Florida, she applied for the plan. After all she said "This is one of the biggest companies in Florida"

Problem: The plan

• Indemnity for Hospital says $500 per day. Most stays are over $5000 per day !
• The lifetime limit was $10,000.  Most good plans are 1- 5 million dollars ! After $10, 000 you are on your own. OUCH!
• 1 Hospital visit a year covered. Note: Regular full comprehensive Insurance generally does not limit your Hospital benefit.
• Prescription are generally omitted or very limited in these plans

Are they going to send out a bill collector if I cannot pay or I have gotten Insurance elsewhere
( Ie. Employer Health Insurance)? 

Answer: Health Insurance Policies that we offer can be cancelled at any time by written notice to the Insurance carrier.
(Please no phone call changes or answering machines. Insurance carriers do not accept verbal cancellations)

Exception: Employer  sponsored section 125 (Pre Tax) benefits. You must have a qualifying event to cancel Ie.
Changing employers,major illness, childbirth, divorce and moving out of your area (another state etc.).

Please check with your employer on their requirements.