Group Health Insurance2021-07-08T11:01:11-04:00

Group Health Insurance

Group Health Insurance

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Quotes from 100+ Carriers:

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:

I am a "people do business with people" person and that's exactly what I get with "Jean." I have been dealing directly with her for all of my insurance needs for many years and she makes sure I am well taken care of. Her expertise has been very helpful when it comes to difficult coverages, as well.. Jean has always gone the extra mile for me! Ergo, why I remain with Fearnow Insurance.
Bill Julian
20:50 23 Jul 21
Outstanding customer service ! I highly recommend Lydia. She was very professional, knowledgeable and courteous. She was able to solve a very stressful issue for my parents home insurance within ONE day . She got the job done right away, the entire process was painless. I couldn’t have asked for a better agent. Thank you Lydia. My parents and I are very grateful for your hard work.
Jamarie
16:06 23 Jul 21
Tanya was great with helping me get my vehicles insured.
Bakor Rivers
15:42 21 Jul 21
Tracy was great to work with. I had several things i needed to discuss with her and handled them very professionally
Tim Ellis
14:47 20 Jul 21
The Whole crew at Fearnow takes great care of our family. No matter what we are needing from auto to homeowner policies. Especially Tori and Matt7/19/21 Thanks again to Matt Wink for helping lower our Auto Insurance with his suggested report cards from our two student drivers with over 3.0 grade point averages! saving us $50 per month
jay hominsky
20:22 19 Jul 21
Joe at Fearnow was a pleasure to work with. He saved my husband and I a substantial amount of money on our homeowners insurance. He is also taking care of the details of switching insurance companies.
Paula Wood
17:38 15 Jul 21
Joe was AMAZING! Not only was he very responsive and professional, he saved me A TON of money on my car insurance. He is super knowledgeable and honest and I am grateful for his expertise :-)
Michelle Stark
20:38 09 Jul 21
Joe was awesome. Made getting home insurance easy and painless. And saved us money!! Thank you Joe for being extremely professional and proficient. I highly recommend Joe Boyle for any of your insurance needs.
PJ HOMRIGHAUSEN
20:18 09 Jul 21
Moving to FL from NC made me aware that auto insurance is much more expensive down here. I tried a bunch of online companies but in the end chose Taunyia at Fearnow Insurance. It was only a few dollars more than my cheapest quote (Progressive) and I prefer to deal with humans and she was very responsive and a pleasure to work with. Answered the phone every time I called her. Highly recommended Taunyia for your insurance needs.
Steve Baker
17:23 09 Jul 21
Within an hour of submitting my online request, I was speaking with Tonya. Not only did she find competitive quotes, she found an error on my CLUE report and advised me how to dispute it so that I can get an even better rate. That is awesome service! Did I mention how nice and patient that Tonya was? They have a multitude of companies that they can write policies with. If they can't get you a better price, you will at least, enjoy the process! Thanks Tonya!
A. Z.
16:09 17 Jun 21

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.

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