Individual Insurance Plans
The key phrase is "affordable and comprehensive" health insurance.
Obviously other factors come in to play.
Albritton Insurance Services offers the most complete selections of health plans where you can compare rates from Cigna, Aetna, UnitedHealthcare, Blue Cross Blue Shield (Florida only) just to mention a few.
Purchasing health insurance can be very confusing with so many types of plans so don’t hesitate to contact Diana by phone or e-mail so she can customize a quote for you particularly if you have pre-existing conditions like height/weight issues, smoking, high blood pressure, abnormal pap smears etc.
Diana will then take your information and contact Underwriters to locate those carriers which would offer the best coverage for the best premium.
If you prefer to do your own health insurance quote and apply NOW, you can use one of the insurance carrier links below for an "Instant Quote" by using one of our Albritton Insurance Services Online E-Store.
The key phrase is "affordable and comprehensive" health insurance.
Obviously other factors come in to play.
Albritton Insurance Services offers the most complete selections of health plans where you can compare rates from Cigna, Aetna, UnitedHealthcare, Blue Cross Blue Shield (Florida only) just to mention a few.
Purchasing health insurance can be very confusing with so many types of plans so don’t hesitate to contact Diana by phone or e-mail so she can customize a quote for you particularly if you have pre-existing conditions like height/weight issues, smoking, high blood pressure, abnormal pap smears etc.
Diana will then take your information and contact Underwriters to locate those carriers which would offer the best coverage for the best premium.
If you prefer to do your own health insurance quote and apply NOW, you can use one of the insurance carrier links below for an "Instant Quote" by using one of our Albritton Insurance Services Online E-Store.
Pre-Existing Condition Insurance Plans For Uninsured (PCIP) (As of March 2013 you can not apply any longer)
This is a State of Florida health insurance alternative for someone that hasn’t had health insurance for six months and has pre-existing health conditions and has been turned down by other health insurance carriers.
Call Diana (contact information posted at the bottom of page) for details to enroll and visit www.HealthCare.gov to read more about premium and plan options.
This is a State of Florida health insurance alternative for someone that hasn’t had health insurance for six months and has pre-existing health conditions and has been turned down by other health insurance carriers.
Call Diana (contact information posted at the bottom of page) for details to enroll and visit www.HealthCare.gov to read more about premium and plan options.
Major Changes in Individual Health Insurance Plans due to Healthcare Reform
As a result of Patient Protection and Affordable Care Act (PPACA) the following benefits were added to most all individual Florida Health Insurance plans with effective dates of September 23, 2010 or later:
Preventive care coverage: For adults with most individual health insurance carriers these benefits are now covered as a first dollar expense by the carrier. This means that with most plans you have no deductible, coinsurance, co-pays, or waiting periods for adult preventive care coverage(for in network care). Prior to healthcare reform most Florida health insurance carriers had limits around $300 to $500 per covered adult.
No Aggregate lifetime dollar maximum: Most Individual health insurance carriers have done away with the limitations to the lifetime maximum coverage per person. For example, before Reform most carriers had either a $3 or $5 million lifetime maximum per person. After reform, most Florida health insurance plans have an unlimited lifetime maximum per person while covered under that plan.
Prescription Drugs: Most carriers have done away with any annual dollar limit for prescriptions. Prior to healthcare reform
most carriers had $3000 to $5000 annual limits per person.
Children with Preexisting conditions: Children under age 19 will have no preexisting condition exclusions. This is required on a state-by-state basis, that dependent children under the age of 19 will not be declined based on medical history. Prior to healthcare reform most health insurance plans could decline a child with a preexisting condition and
forcing them to take coverage through the Florida Health Insurance Risk Pool.
Dependent Children: Dependent children will be allowed to stay on their parent/legal guardian plan until age 26.
Preventive care coverage: For adults with most individual health insurance carriers these benefits are now covered as a first dollar expense by the carrier. This means that with most plans you have no deductible, coinsurance, co-pays, or waiting periods for adult preventive care coverage(for in network care). Prior to healthcare reform most Florida health insurance carriers had limits around $300 to $500 per covered adult.
No Aggregate lifetime dollar maximum: Most Individual health insurance carriers have done away with the limitations to the lifetime maximum coverage per person. For example, before Reform most carriers had either a $3 or $5 million lifetime maximum per person. After reform, most Florida health insurance plans have an unlimited lifetime maximum per person while covered under that plan.
Prescription Drugs: Most carriers have done away with any annual dollar limit for prescriptions. Prior to healthcare reform
most carriers had $3000 to $5000 annual limits per person.
Children with Preexisting conditions: Children under age 19 will have no preexisting condition exclusions. This is required on a state-by-state basis, that dependent children under the age of 19 will not be declined based on medical history. Prior to healthcare reform most health insurance plans could decline a child with a preexisting condition and
forcing them to take coverage through the Florida Health Insurance Risk Pool.
Dependent Children: Dependent children will be allowed to stay on their parent/legal guardian plan until age 26.
If the Insurance Carrier of choice isn't listed for a "Real Time" quotes
or you need to talk to Diana call her direct line at 1-863-385-2255
or toll free at 1-877-912-7006
or e-mail at albrittoninsurance@earthlink.net.
or you need to talk to Diana call her direct line at 1-863-385-2255
or toll free at 1-877-912-7006
or e-mail at albrittoninsurance@earthlink.net.
