Group Health Insurance2022-11-28T13:05:28-05:00

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

Thanks to Joe Boyle for saving me over $150 a month on auto insurance coverage. He went above and beyond to help me and make sure that I got the best rate and coverage possible!! Happy to be a part of the Fearnow Insurance family.. :)
Melissa Dufrene
19:16 05 Jun 23
Joe and his team has always done right by me. Knowledgeable and reliable.
Ricardo Quiñones
01:11 03 Jun 23
Joe did a great job at looking out for our best interest. He found us great coverage at a great deal. I highly recommend his service.
Berta Sanabria
22:24 02 Jun 23
I can’t say enough good things about Fearnow Insurance. Joseph Boyle was very responsive, thorough, and professional. I highly recommend this company.
A Westcarr
21:04 26 May 23
I can't say enough about Fearnow Insurance. I would give 100 stars if I could. My agent, Joe B, fantastic. Knowledgable, organized, everything done timely and correct, KIND, thorough, caring. He understood my needs, actually listened to me, got me a car policy to meet those needs, AND saved me a lot of money over my last policy.Fearnow Ins. highly highly highly recommended!!!
somanycats Rsava
21:01 26 May 23
Responsive and they listen. Assisted with home insurance and turned around and got a new auto policy as well.
Joshua Sheldon
13:58 24 May 23
Joe helped us out so much when our insurance left Florida & we were left searching for another provider. He was patient, knowledgeable & walked us through the entire process!
Amber Queen
14:41 16 May 23
Mr Lamarr Batittiste helped us with a quote, a lower premium and the necessary paperwork to change our insurance company. His knowledge of insurance and his extremely friendly attitude made the whole process a pleasure! We recommend him and already consider him a friend!
melody hendricks
21:32 11 May 23
I can't say enough about Joe Boyle with Fearnow Insurance. He quickly set me up with new homeowners insurance. He kept in touch with me and provided updates and was very pleasant to work with. I now have him reviewing my car insurance!!
Carol Maness
14:50 10 May 23
I’ve been with them for 8 years they are the best!
Juan Villagrana
17:58 06 May 23

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 Quotes | 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