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

Fearnow Insurance and Jean Rodriguez have helped us for many years to maintain coverage on our church property. Last year, our underwriter of 10 years made the decision to no longer cover churches in Florida. Jean worked many hours to find us 2 new companies to handle property and liability coverages at a cost within our budget. Just recently, she once again stepped in to facilitate the annual renewal process for us. Jean is always friendly and helpful and quick to answer any questions or alert us about any issues that may arise.
Leland Smelser
02:55 17 Sep 25
Joseph and Kayla went above and beyond to find the best rates for home and auto insurance. They stayed in constant communication and made the process very easy. 10/10 recommend Fearnow insurance!
Steven
22:32 11 Sep 25
Helped me find good policies in my budget.Madrianne was very helpful,kind and so easy to work with.... She is GREAT !!
Eric Hopkins
14:49 09 Sep 25
Jean Rodriguez with Fearnow Insurance has been such a blessing for Catholic Youth Soccer, Inc. Since we became a federally recognized nonprofit, she has been fully committed to making sure we are properly protected. Jean’s customer service is amazing—she is attentive, knowledgeable, and always goes the extra mile.Thanks to Jean’s support, CYS has the peace of mind to focus on serving families in our community through faith-based youth soccer. I highly recommend Jean and Fearnow Insurance!CYS is a huge fan of Jean's!!!!!!!
Patrick Poland
20:49 05 Sep 25
Jean Rodriguez, went above and beyond to help me out with my policy . I have a health situation, and she resolved the issue. I appreciate the fact that she kept me informed, and cares about her Clients. Thank you!
Manuel Campoamor III
20:48 05 Sep 25
Lydia in auto and Joe in Life insurance are fantastic ! Excellent customer service , quick responses to inquiries, above and beyond enthusiasm and attention to detail. Highly recommend this Insurance agency.
Grace Rhymes
17:36 04 Sep 25
Joseph was great to work with. He was knowledgeable, communicative, and answered all my questions! He also saved me and my family hundreds of dollars while still keeping great insurance on two vehicles. Good bye Geico! Thank you Fearnow team!
Lorenzo Laporte
21:46 03 Sep 25
I had a great pleasure to work with Joe. Answered to all my questions (I had a lot) and found the best price for my home insurance. Would recommend to check these guys when you are renewing your policy
Andy S
20:34 03 Sep 25
Mr. Joseph was very professional and knows what he is doing.He is very knowledgeable about the needs of the customers and takes time to explain for your understanding.He is very quick in responding to emails and questions.Thank you for your assistance.
Daniel Otu-Jireh
18:38 01 Sep 25
Love dealing with Fearnow, they take care of all my insurance needs. Thank you Joe!
Garrett Norris
18:08 29 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