Group Health Insurance2025-04-03T06:14:13-04:00

Group
Health
Insurance

Group Health Insurance

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Quotes from 350+ Carriers:

progressive insurance
auto owners insurance
travelers insurance
nationwide insurance
liberty mutual insurance
allstate insurance

Save up to 37% with Fearnow Insurance

Florida Health insurance offers certain group health coverages, and we want to make sure that all of our clients are fully aware of the Florida Health insurance benefits available to them.  With the many changes made in health care reform and the changes that may lay ahead, many times individuals are left with more questions than answers about the new health care laws and regulations.  This is why it is important to speak with an insurance agent, who receives training and intently follows health care reform – so that you have someone knowledgeable on your side to answer your many questions and help you decide what policies are going to be the most beneficial for your family.

What Our Customers Say

Love dealing with Fearnow, they take care of all my insurance needs. Thank you Joe!
Garrett Norris
18:08 29 Aug 25
I would give our agent, Jean Rodriguez at 5 Stars for sure! She is very knowledgeable about our coverage and always very helpful in answering questions when I have them. She is quick to respond to phone calls and emails! Would highly recommend her for your insurance needs!
Christina Wyant
19:03 28 Aug 25
Jean Rodriguez with FearNow Insurance has done an amazing job for our church over the past several years. I am always so impressed by her commitment to the customer and the excellent service provided. She is committed to getting the best insurance for the best price. She is never too busy to take your call or get back to you as soon as possible. Jean, thank you for all that you do!
Jeanie McAlister
18:59 27 Aug 25
Our Fearnow representative Ms. Jean Rodgriguez has been superlative! Her level of responsiveness, due diligence, advocacy for the customer, and knowledge of the insurance business and processes distinguish her in my mind. She is straight up the best in the game.
Corvelli McDaniel
15:08 27 Aug 25
Tracy helped me with renewing my auto insurance policy. She was professional, thorough and very helpful with all of my questions. Although I was hoping to get a lower renewal rate, for her part, she did everything she could to make the renewal a smooth experience. Thank you, Tracy!!
Cheri
13:34 27 Aug 25
Kayla Peel is amazing! She navigated a tough scenario for me and got me an amazing rate! Kudos to her and this company for all they do for their customers!
Nate Hudson
13:48 25 Aug 25
I was very pleased with Lydia. She was very patient, helpful, professional, informative and knowledgeable with a sweet personality. She needs transaction and effortlessly. I am thankful.
Lydia Calderon
12:27 22 Aug 25
Brian Fearnow helped this newbie find a suitable and affordable commercial insurance policy. He was patient, helpful, and quick to respond throughout the process. I would recommend 100%!
Elizabeth Gregory
19:52 21 Aug 25
I have received excellent service every time I requested it, 100% recommended.Thank you from D R CORNER CONSTRUCTION CORP
JOSE DANIEL RODRIGUEZ
15:38 20 Aug 25
The commercial team at Fearnow Insurance is always so helpful. Yailyn found savings and always helps answer my questions. She is quick to respond and is full of knowledge. I would recommend Fearnow Insurance to all of my friends and family. We have worked with Fearnow Insurance for over five years and have been so happy with our choice of insurance brokers.
Lanai Lifestyles
14:19 20 Aug 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

What kinds of Health insurance are there?

There are essentially two kinds of Health insurance: Fee-for-Service and Managed Care.  Although these plans differ, they both cover an array of medical, surgical, and hospital expenses.  Most cover prescription drugs, and some also offer dental coverage.

Fee-for-Service

These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.  Patients are seen by a doctor of their choice, and the claim is filed by either the medical provider or the patient.

Managed Care

More than half of all Americans have some kind of managed-care plan.  Various plans work differently and can include: Health Maintenance organizations (HM0s), Preferred Provider organizations (PPOs) and Point-of-Service (POS) plans.  These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Individual Policies vs Group Policies

Group policies are usually health plans that are provided to a large group of people (such as through an employer), typically at a reduced rate.   Employers may choose to cover all or part of the insurance premium for their employees and their dependents; however, they are not required to do so.  This coverage ends upon your termination or voluntary end of employment with the company providing the Group Health plan, although continuation of coverage may be offered through COBRA (see below).

Individual policies are when a person goes outside of their employer, or insurance is not offered by their employer, to obtain Health insurance coverage.  You may be responsible for a higher premium with an individual policy; however, you may find more favorable terms or benefits for your health needs.

To find the best policy, consult with a Health insurance agent or broker who will help you find the contract that gives you the most for your money.

What is COBRA Insurance?

If you switch employers, you have the right to carry your Group Health insurance coverage with you to a new job for up to 18 months under the Congressional Budget Reconciliation Act (COBRA).  Qualifying circumstance for COBRA coverage include:

  • You leave a company and become unemployed or self-employed for up to 18 months;
  • You are a widow or widower or child of an employee who dies while working for the same company for three years or more;
  • You are the divorced spouse or child of an employee who has left the company he or she was employed at for at least three years; or
  • You are the child of an employee who left a job and have not yet reached age 23.

If you need COBRA benefits, you must fill out the appropriate forms from your employer’s Benefits department within 60 days of leaving your job.  If you do not act within that time, you may be denied coverage.  With COBRA coverage, you must pay the full premium, but at group rates that can be far cheaper than the individual rates you would pay for similar coverage.

Group Health Insurance | Fast & Easy Quote

Group Health Insurance Quote from Fearnow Insurance. Quality Health protection that saves you money. 30 Years of serving Tampa, Brandon, Seffner area

Service Type: Group Health Insurance

Price: $$

Currency: USD