Individual & Family

Individual and family health insurance is a type of health insurance that one must apply and qualify for, as opposed to employer-group insurance, which is typically guaranteed coverage. There are many individual and family health insurance plans available, and you may be pleasantly surprised with the coverage and affordability that many plans offer.

Due to the number of available options, it is important that you work with an experienced agent. Contact me, R Joseph “Joey” Smith, today and I’ll guide you through the selection, application, and underwriting process, as well as address any questions or concerns you have throughout the life of your individual and family health insurance policy.

Finding the Best Health Insurance Policy

There is no “best” health insurance plan for everyone. Everyone’s situation and needs are different. Our job is to make the options understandable for you and help you pick the best health insurance plan for your needs, but more importantly your budget. Here are the four biggest challenges in choosing the right individual and family health insurance plan:

  1. Finding Quality Coverage that is Affordable
    Often, we see people that are paying ridiculously high premiums for their health insurance. Their mindset is that if they find a lower cost policy, they will sacrifice coverage. This simply isn’t true. There are many individual and family health insurance plans available that offer quality, comprehensive coverage at a reasonable price.
    Regarding Price: Health Insurance premiums are regulated by the state Department of Insurance. Therefore, the premium you pay will be the same whether you use our agency, buy online, or go directly through the health insurance company. It is impossible to find lower rates for the same plan somewhere else. This means that you can take advantage of our health insurance expertise and service without any additional or hidden fees.
  2. The Underwriting Process
    Every insurance company’s underwriting practices are a little different. Something as simple as a high blood pressure medication or a cholesterol medication can make a difference in determining your premium as well as which insurance company is the best one for you. Because of our experience, we will recommend the company that’s most likely to accept you.
  3. Understanding the Coverage
    Individual and family health insurance plans can be confusing. There are many differences between policies, such as provider networks, out of pocket costs, what expenses are or are not covered. Frequently, we talk to people that bought the “cheapest” policy they could find online (or elsewhere), not knowing what was covered until they had a claim. That’s when they discovered the many holes in their policy. It is important to know how your coverage works, what is covered and what is not covered, and what you’re out of pocket costs can be. Our goal is to ensure you know how yours works so there are no surprises when you need to use it.
  4. Keeping Your Doctor
    Florida Blue has one of the largest networks, so keeping your own doctor is rarely an issue. Click here to see if you’re Doctor or Dentist is in their network, http://myportal.bcbsfl.com/wps/portal/opd
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