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Individual Health Plans
Your selection of a health care provider is one of the most important decisions you make for yourself and your family. We at Florida Health Broker.com will offer you with a wide variety of health insurance plans, through our represented companies, that are designed to meet your health care needs. If you are looking for a plan with low doctor co-pays to help reduce the cost of your child's regular visit to the pediatrician, or a simple flat deductible health care plan to protect yourself and your business from a major medical occurrence, we can find a plan that is right for you.
A Typical Health Insurance Plan Our Brokerage Firm Would Offer:
Coverage percentages below are effective AFTER deductibles have been met unless otherwise indicated.
| Plan 100 and HSA Basics
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| Doctor Visits |
Low Copay OR an affordable negotiated rate with your doctor before the deductible has been met.
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| Room and Board, Intensive Care Unit, Operating Room, and Recovery Room
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100% Coverage
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| Professional Fees of Doctors, Surgeons, Nurses
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100% Coverage
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| Radiation, Chemotherapy, and Inpatient Drugs
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100% Coverage
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| Inpatient Diagnostic Testing
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100% Coverage
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| Surgeon, Assistant Surgeon, and Facility Fees
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100% Coverage
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| Hemodialysis, Radiation, Chemotherapy, and Organ Transplant Drugs
| 100% Coverage
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| Cat Scans, MRIs
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100% Coverage
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| Inpatient/Outpatient X-ray and Lab
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100% Coverage
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| Emergency Room Fees
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100% Coverage
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| Prescription Drugs
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100% Coverage
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| Mammography, Pap Smear, and PSA Testing
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Covered 100% on a copay basis |
Health Savings Accounts:
In January 2004, a new and very exciting concept for individual health care was enacted by Congress, the Health Savings Account. This ingenious idea has substantially lowered health insurance premiums for millions of Americans, while still providing families and businesses the major medical coverage they need.
Offered by every company Florida Health Broker represents, Health Savings Accounts are a flat deductible health care plan, accompanied by a tax favored health savings account. The flat deductible is chosen by you and designed to keep your medical expenses below a level of your choosing. The tax favored health savings account, which is offered with every plan, allows you and your family to keep substantial amounts of your federal income tax dollars to help pay for future medical expenses. All Health Savings Account Plans are PPO's, meaning you choose the doctor and hospital provider that you think best addresses your current health care needs. The plans offered, all come with a nationwide network, which is a great asset if the specialized care you desire is found in another state.
Health Savings Account plans finally offer families and individuals incentives for staying healthy. No longer will expensive unused health insurance premiums end up in the hands of the health insurance company in the form of unused coverage. Now the money stays with you, available to address other financial needs, or stored away in a tax sheltered health savings account waiting to be used to pay for future medical bills.
Typical families can save as much as 60% annually on their health insurance premiums by choosing one of these plans.
Found along the left hand side of this web page are links to articles in the USA Today, Chicago Sun Times, and Kiplinger Financial, describing the Health Savings Account plan and its great tax benefits.
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