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Florida Health Insurance Information - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
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Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the strength and experience of our health insurance markets, Palomino Insurance Group can offer affordable HMO, PPO, POS, and Major Medical Health Insurance policy coverages throughout Florida, with a focus on the Miami area. |
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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, such as PPO and POS plans, usually cost you less, but you must give up some freedom of choice. |
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Learn more about HMO, PPO, and POS
managed health care insurance policies we offer throughout Florida by clicking on a link below or click on the link for information on Major Medical health insurance. |
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Click on the link below to fill out a secure quote
request form for a Florida health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our Florida Health Insurance agent specialists at (305) 267-0000 to discuss the features. |
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Major medical health insurance provides benefits up to a high limit for
most types of medical expenses incurred, subject to a deductible. Once you meet the deductible, our Florida Major Medical Insurance plans 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 pay 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. |
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With Florida Major Medical Insurance plans you can choose your doctor
and any hospital for your medical services. You or your doctor send the bill to the insurance company, which pays part of it. Usually, you have a deductible such as $250 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. |
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Major medical insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals, and other health care providers than managed care plans, such as HMO, PPO, and POS. Florida Major Medical Insurance may not pay for some preventive care, such as check-ups, and is usually a more expensive health insurance coverage than utilizing a Florida HMO, PPO, or POS plan. |
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Click on the link below to fill out a secure quote request form for a Florida
family or individual Fee-for-Service / Major Medical health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our Florida Health Insurance agent specialists at (305) 267-0000 to discuss the features. |
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Learn more about the other types of Individual or Family Health
Insurance polices we offer in Florida by clicking on a link below! |
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We are your local Miami, Florida insurance agency, offering affordable health
insurance services to individuals and families in the following cities and counties: 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, 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, Hollywood, Dania Beach, Cooper City, Davie, West Miami, 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, Miami-Dade County, Broward County, Palm Beach County, FL. We also offer health insurance services in the remainder of Florida, including Orlando, Jacksonville, Lakeland, and the Tampa Bay area. |
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* Preventive care emphasis
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* Primary care physician (PCP) coordinates your total care
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* Must get a referral from your PCP to visit a specialist
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* Fixed monthly fee
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HMO Health Insurance Policy Overview - Florida
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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 from where you live in Florida. 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. |
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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. |
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You may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 - $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 a Florida HMO health maintenance plan. |
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Click on the link below to fill out a secure quote request form for a
Florida HMO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or speak with one of our Florida Health Insurance agent specialists at (305) 267-0000 to discuss the features. |
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* Convenient access to quality health care
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* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics. |
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* Pay for services as they are provided
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PPO Health Insurance Policy Overview - Florida
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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. |
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You may have to pay some portion of the cost (co-payment) for
each office or hospital visit, such as $20 - $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 a Florida PPO health insurance plan. |
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Click on the link below to fill out a secure quote request form for a
Florida family or individual PPO health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our Florida Health Insurance agent specialists at (305) 267-0000 to discuss the features. |
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* Preventive care emphasis
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* Pays benefits for out-of-network care, but at a lower level
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POS Health Insurance Policy Overview - Florida
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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. |
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Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a Florida POS health insurance plan. |
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Click on the link below to fill out a secure quote request form for a
Florida family or individual POS health insurance policy that provides excellent health insurance coverage and services at an affordable cost. Or you can speak with one of our Florida Health Insurance agent specialists at (305) 267-0000 to discuss the features. |
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Learn more about the other types of Florida Individual or Family
Health Insurance polices we offer by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Florida Individual or Family
Health Insurance polices we offer by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Learn more about the other types of Individual or Family Health
Insurance polices we offer in Florida by clicking on a link below! |
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Managed Health Care Plans:
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Fee-for-Service Health Plan:
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Managed Health Care Plans:
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**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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Personal Insurance
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Health Insurance
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Palomino Insurance Group
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Florida Health, Life & Business Insurance
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Proudly Serving Florida Since 1986!
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Answer a few questions and we will
provide you with a quote by email or phone. Choose the Florida personal or business insurance coverage you're interested in from the menu above. |
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Palomino Insurance Group Corp.
7515 S.W. 32nd Street
Miami, Florida 33155
Miami-Dade County, FL
(305) 267-0000
Fax (305) 267-0004
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Palomino Insurance Group Corp.
Copyright 2006-2008 All rights reserved
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