Important points to consider when interviewing insurance companies or reviewing your present health coverage...
 

• Is your plan a true Major Medical PPO Plan or does it have restrictions and  caps as to what the insurance company will pay?
• Can you choose your doctors and hospitals or must you have a referral, commonly called the "gate keeper" when you need a specialist?
• Can you be singled out for cancellation?
• Can you be singled out for rate increases due to medical condition?
• Are you covered on or off the job - 24 hours a day
• Does you coverage change when you travel outside of Florida?
• Do you have Worldwide coverage?
• If you move, can you take the plan with you?
• If you are self-employed are you sure you are covered on the job ... without Worker's Compensation?
• Does your plan have a "Utilization Review" that determines treatment limitations?
• In case of a terminal illness, can you get a lump sum payment to help with the bills, seek alternative treatment or use the money for living expenses?  (Available through our Critical Illness Plan)
• Are you able to custom design your own plan and pay only for what you choose?  ... Or are you paying for benefits you do not use?
• If you are on a group insurance plan, is it too expensive to insure the other members of your family?

Choosing the right health insurance plan for you and your family can be an overly complex and time consuming process.  We are known for the personable and knowledgeable service we give to each of our clients. 

Call us when you are ready and we will guide you through all the options and help you design the right plan at a price you can afford.  

No Pressure ...  No Sales ... No Hassles ... No Waste of Each Other's Time!   I can't think of a better way to work ... Can You?

Most individual health insurance plans fall into these broad categories:

• Major Medical - Typically referred to as Preferred Provider Organizations
  (PPOs).  These types of plans offer broad coverage through a contracted agreement
  between the insurance company and the health provider.
• Short Term Major Medical - Very similar to the aforementioned Major Medical PPO-type plan, but typically purchased to provide from one onth to twelve months of temporary medical coverage.
• Indemnity Plan - Also known as "reimbursement" plans.  These plans allow you to
  chose your own doctors and hospitals.  The plans pay a set amount to you for medical
  expenses allowing you the freedom of using the benefit any way you want.    
• HSA-Qualified High Deductible Health Plan - Similar to Major Medical, but you can take contributions from your HSA for eligible health care expenses tax-free:
  |    *  Having a qualified, high-deductible health plan (HDHP) in place is a requirement under IRS code 223 to make contributions into a Health Savings Account.  HDHP is simply the acronym for the qualified health insurance plan. Contact us for your health plan options before you attempt to open an HSA.
        *  Annual contributions are limited to the amount of your deductible but not to exceed
  $2,850 for an individual and $5,650 for a family plan.  Your own HSA contributions are tax-deductible.  Whatever money you deposit in your HSA will roll forward from year-to-year so you will never lose your contributions.  The IRS will penalize excess contributions. 

            *  Withdrawals for qualified
           medical expenses are tax free.
           Eligible health care expenses
           include the charge for payments
           for the diagnosis, cure,
           mitigation, treatment, prevention
           of disease, treatment affecting
           any structure or function of the
           body, prescription drugs, nursing
           services, qualified long term care
           services and Medicare premiums. 
           The list of qualified expenses is
           extensive.
 
                 *  Eligible expenses do not
           include funeral or burial
           expenses, health club dues, over-
           the-counter medicines, toiletries,
           cosmetics, a trip or program for
           the general improvement of your
           health or most cosmetic
           surgeries.

                    *  Your Health Savings
           Account is portable.  You own the
           HSA and it is yours to keep -
           even when you change plans or
           retire.  You long as you medically
           qualify you can switch insurance
           plans anytime and retain all your
           contributions to your HSA. 

                 *  Individuals under 65 years
           old are eligible to open an HSA.

     HSA Center Information Site

     Official government site for HSA's

Would you like an alternative to low interest rate Bank Savings Accounts/CD's 
and a risky stock market

... and save on your tax bill?

Go to our Pro Money web site

ManageYourFinancialPlan.com

How to chose the best plan for you and your family:

Look for these key features: 

• Hospital:  The policy should adequately cover your room and board plus any
  miscellaneous charges while hospitalized.
• Surgical:  This benefit pays your surgeons' fee plus related costs such as
  anesthesiologist.
• Physician:  Pays for visits by the doctor while confined in the hospital or on an
  outpatient basis.
• Ambulance Transport:  Pays for ground as well as air transport to the hospital.
• Catastrophic Coverage:  The plan should pay a high lifetime maximum to protect you against financial ruin in case of a catastrophic illness or injury.
• Co-insurance Maximums:  Commonly know as a "stop loss" - the plan pays 100%
  above a certain amount therefore limiting your financial exposure to a reasonable
  amount.
  

I am still confused about all the choices - how do I select what is best for me and my family?

That is where we come in!  We are full-service, Florida-licensed insurance agents
specializing in finding the best insurance available at an affordable price for the self-employed, independent contractors, small business owners, individuals and their families ... a "One Stop" shop.

It is our job to work directly with you to find the right policy, with the right coverage, at the right price for you and your family.

Contact us NOW for a free quote ...

Purchasing Health Insurance is not quite as easy as pushing a button and out comes an        
instant quote.  Some popular web sites do offer instant online quotes, however these quotes are for very basic plans commonly called "loss leaders" and do not constitute a final quote - rest assured, the final number will be significantly higher when you finally agree to meet with the agent to fill out the required application.

All our quotes are free for the asking, but you must talk to us so we can ask pertinent questions related to your age, sex, medication and overall health status.  We offer many plans and you have many excellent choices which ultimately will determine the final premium.

Takes about 5 -10 minutes and we can work with you any way you want ... by phone, email, snail mail, FAX or in person.

We do want to work with people who are excited and interested in securing their future.  We have to many people who want help to chase you.  You will find zero push or pressure when we talk.

Florida's  Affordable Insurance Markets  

Contact Hank Progar @  (352) 690-9574 
or toll free 
@ (888) 820-SAVE

.... for more info ... free quote or ... a no-obligation consultation