Florida Health Insurance Information - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
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, Optimal Insurance
Group of Boca Raton, FL offers affordable HMO, PPO, POS, and Major
Medical Health Insurance policy coverages throughout Florida.
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.
Learn more about Florida HMO, PPO, and POS managed health care
insurance policies we offer throughout the Sunshine state by clicking on a link
below or click on the link for information on Major Medical health insurance.
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 our Florida Health
Insurance agent specialist at (561) 342-1695 to discuss the policy features
in more detail.
We are an independent Boca Raton, Florida insurance agency offering low cost
health insurance policy premiums for individuals and families in the following towns,
cities and counties in south Florida: Boynton Beach, Gulf Stream, Delray 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, Coral Springs, Fort
Lauderdale, Parkland, Coconut Creek, Margate, North Lauderdale, Lighthouse Point,
Hillsboro Beach, Deerfield Beach, 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, Boca Pointe, 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, Davie, West Miami, Hollywood, Broward County, Martin County, Miami-Dade
County, and Palm Beach County, FL. We can also offer Florida affordable family
health insurance policy coverage services throughout the Sunshine state, including in
Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg, Tallahassee, and
Jacksonville, FL.
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.
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.
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.
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 our Florida Health Insurance
agent specialist at (561) 342-1695 to discuss the policy features in more
detail.
Learn more about the other types of Individual or Family Health
Insurance polices we offer in Florida by clicking on a link below!
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview - Florida
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.
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.
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.
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 our Florida Health Insurance agent specialist at (561) 342-1695
to discuss the policy features.
* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
PPO Health Insurance Policy Overview - Florida
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.
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.
Click on the link below to fill out a secure quote request form for a
low cost Florida family or individual PPO health insurance policy
premium quote that provides excellent health insurance coverage
and services at an affordable cost. Or you can speak with our
Florida Health Insurance agent specialist at (561) 342-1695 to
discuss the features.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - Florida
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.
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 family or individual POS health insurance policy that provides
excellent health insurance coverage and services at an affordable
cost. Or you can speak with our Florida Health Insurance agent
specialist at (561) 342-1695 to discuss the features.
Learn more about the other types of Florida Individual or Family
Health Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Florida Individual or Family
Health Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health
Insurance polices we offer in Florida by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
**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 Health Insurance Policy Information
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Florida Since 2002!
Florida Health Insurance Information
Optimal Insurance Group
4800 North Federal Hwy
Suite D-106
Boca Raton, Florida 33431
Palm Beach County FL
(561) 342-1695
Fax: 866-314-4026
Optimal Insurance
Florida
Personal
Insurance
Group
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