Florida Group Health Insurance Information
F.C.I. Auto Tag & Insurance Agency of Davie, FL has created a strong
relationship with some of the finest insurance carriers serving Florida, while
maintaining our primary focus of serving the employer's needs.
Most businesses offering their employees Group Health insurance plans
contribute towards the cost of the coverage. Some pay for all of the
employees' premiums (for single coverage) and have the employees pay
the premium if they need coverage for their families. Other small
businesses pay a percentage of the total health insurance premium cost.
As the cost of health care continues to increase at a rate much faster than
inflation, many large employers and small businesses in Florida choose to
have their employees make a contribution towards the cost of health
insurance coverage.
Also, self funding the Prescription Drug portion of the Group Health Plan can
potentially result in substantial health insurance cost savings. Contact us for
information and to setup a self funded prescription drug plan.
Managed Care vs. Fee-for Service
The health insurance plan that works best for your business is determined
primarily by your location, the physicians and hospitals available through
the health insurance plan, options offered by each insurance plan, and
what your budget can accept.
Learn more about the types of Group Health Insurance Plans
we can offer your Florida business by clicking on a link below!
Employee benefits are an important factor to any business in hiring and
retaining a good work force. We can provide assistance to your benefit
administrator in answering employees questions and requests pertaining to
health insurance for groups of 20 or more. Every Florida business needs to
review their employee benefit health insurance plan to ensure that this major
expense continues to offer the highest quality group health insurance.
Click on the link below to fill out a secure quote request form for a Florida
group health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health insurance
coverage for your businesses most important asset...your employees. Or
speak with our Florida Group Health Insurance specialist at (954) 434-6515
to discuss the policy features in more detail.
We are a Davie, FL insurance agency offering comprehensive Florida group health
insurance coverage services to small, mid-sized and large businesses located in
the following cities and counties: Coral Springs, Fort Lauderdale, Parkland,
Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach,
Deerfield Beach, Boca Raton, The Hamptons, Highland Beach, Weston, Plantation,
Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors,
Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano
Beach, Lauderdale-by-the-Sea, Boca West, Delray Beach, Boca Pointe, Boynton
Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth, Miami, 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, 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, Medley, Indian Creek, Surfside, Bal Harbour, North Miami,
Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm
Springs North, Carol City, 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, Coral Gables, Kendall, Dania Beach, Cooper City, West Miami, Hollywood,
Broward County, Palm Beach County, and Miami-Dade County, FL. We can also
offer affordable Florida group health insurance coverages throughout the Sunshine
state, including in Orlando, Tampa, St. Petersburg, Ocala, Sarasota, Tallahassee,
Gainesville, and Jacksonville, FL.
A POS or Point-of-Service group health insurance plan allows your
Florida employees the option of accessing any medical provider without
a primary care physician referral and receive the highest benefit level.
Similar to an HMO, a POS 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 Florida POS health insurance plan.
Click on the link below to fill out a secure quote request form for a
Florida group POS health insurance plan that regardless of whether
you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most
important asset...your employees. Or speak with our Florida Group
Health Insurance specialist at (954) 434-6515 to discuss the features
in more detail.
Fee-for-Service group health insurance coverages offer more choice of
doctors (including specialists, such as cardiologists and surgeons),
hospitals, and other health care providers than managed care health
plans, such as HMO, PPO, and POS. Fee-for-Service employee health
insurance may not pay for some preventive care, such as check-ups,
and is usually a more expensive health insurance coverage than
utilizing an HMO, PPO, or POS plan in Florida.
Learn more about the other types of Florida Group Health Insurance
we can offer your Florida small business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a
Florida Fee-for-Service (Major Medical) group health insurance plan
that regardless of whether you're a large employer or a small
business, will provide comprehensive health insurance coverage for
your businesses most important asset...your employees. Or speak
with our Florida Group Health Insurance specialist at (954) 434-6515 to
discuss the features.
Fee-for-Service or major medical group health insurance provides
benefits up to a high limit for most types of medical expenses incurred,
subject to a deductible. Once the deductible is met, this type of group
health insurance plan will pay a percentage of what is considered the
"Usual and Customary" charge for covered services. The insurance
company generally pays 80% of the Usual and Customary costs and
you're responsible for paying the other 20%, which is known as co
insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the
difference.
Florida Fee-for-Service group health insurance allows your employee
to choose their doctor and any hospital for their medical services.
Usually, an employee will have a deductible such as $500 or more to
pay each year before the insurer starts paying. The plan will pay for
charges such as medical tests and prescriptions as well as from
doctors and hospitals.
Fee-for-Service health insurance coverages for employer sponsored
employee benefits in Florida typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your Florida business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Managed Care:
Fee-for-Service:
PPO Insurance Plan (Florida Group Health Insurance)
A PPO group health insurance plan is recommended for a Florida
business desiring 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.
An employee may have to pay some portion of the cost (co-payment)
for each office or hospital visit, such as $20 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.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Fee-for-Service:
Managed Care:
Learn more about the other types of Florida Group Health Insurance
we can offer your Florida small business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a
Florida group PPO health insurance plan that regardless of whether
you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most
important asset...your employees. Or you can speak with our Florida
Group Health Insurance specialist at (954) 434-6515 to discuss the
policy features in more detail.
HMO Insurance Plan (Group Health Insurance - Florida Business)
An HMO group health insurance plan helps your 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.
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
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 $20 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 FloridaHMO health maintenance plan.
Learn more about the other types of Florida Group Health Insurance
we can offer your Florida business by clicking on a link below!
Managed Care:
Fee-for-Service:
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Group Health Insurance - Florida Business)
Learn more about the other types of Florida Group Health Insurance
we can offer your Florida business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a secure quote request form for a
Florida group HMO health insurance plan that regardless of whether
you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most
important asset...your employees. Or speak with our Florida Group
Health Insurance specialist at (954) 434-6515 to discuss the policy
features.
Managed Care:
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
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Florida Insurance Coverages &
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Florida Business Health Insurance
F.C.I. Auto Tag
& Insurance Agency
F.C.I. Auto Tag
& Insurance Agency, Inc.
8280 Griffin Road
Davie, Florida 33328
Broward County FL
(954) 434-6515
Fax: (954) 434-6524

F.C.I. Auto Tag & Insurance Agency, Inc.
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