Your Florida Blue Health Insurance Agent in Lake Mary, FL

As a Florida Blue Independent Health Insurance Agent, we always find the coverage that’s best for you. We work with a number of different insurance companies to make sure you get the best price, coverage and service. And then give you all the discounts and benefits Florida Blue offers, while still shopping around for you at other companies.

How Does Health Insurance Work?

Your health insurance plan protects you from the unexpected; when you get sick or have to go to the hospital.

You You pay a monthly bill, a premium, for the health plan and the insurance company pays part of the cost for covered medical services.

Us Your insurance company offers a preferred list of doctors, hospitals and other health care providers. Choosing a provider within the network should result in less out-of-pocket expenses for you.

To help you better understand your plan, we’ve defined five key health insurance terms you should know:

Copay – A flat fee (e.g., $15) you pay for covered health services, such as a x-ray.

Deductible – The dollar amount you must pay each calendar year before insurance begins to pay for certain health services. You pay the plan deductible first then coinsurance (%) may apply

Coinsurance – The percentage (%) you may pay for services after you meet the plan deductible. It’s also known as “cost sharing.”

Out-of-Pocket Maximum – The most you pay for covered health care services during your plan’s calendar year. All of your covered expenses go toward this maximum. Once you reach the maximum, your health care plan pays 100% toward covered services and you don’t pay anything.

Premium – The regularly scheduled amount of money you must pay each month to keep your insurance active.