| Looking for Florida group health insurance? | | | | insurance comparison website and fill out a |
| Here's how to get the best rate with an | | | | simple online questionnaire. You'll receive |
| A-rated company. | | | | quotes from multiple A-rated companies, |
| | | | allowing you to match your insurance needs to |
| What is Group Health Insurance? | | | | the best plan for the lowest cost. |
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| Group health insurance is the most common | | | | You also want to make sure you consider all |
| type of policy in the United States. | | | | your insurance options. A variety of |
| Typically, it is a policy that an employer | | | | insurance plans are available today, from the |
| purchases and offers to employees as a | | | | traditional comprehensive plan we are all |
| benefit. Costs are lower for the insured | | | | familiar with to less expensive variations |
| because the premium rates are lower than for | | | | such as: |
| individual policies, plus the employer | | | | |
| usually pays part of the premium. | | | | * Major medical plans |
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| Other groups can also offer group insurance | | | | * Managed care plans including Health |
| policies, such as fraternal organizations, | | | | Maintenance Organizations (HMOs) and |
| credit unions, and alumni groups. In | | | | Preferred Provider Organizations (PPOs) |
| addition, self-employed people can be | | | | |
| considered a "group of one" and can qualify | | | | * High deductible plans |
| for a lower group rate if they can prove they | | | | |
| are a legitimate business. | | | | * Health savings accounts |
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| Lowering Your Costs | | | | Check Out the Insurance Company |
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| To save money on group health insurance | | | | Finally, before you sign up for any group |
| plans, it's important that you shop around | | | | coverage, make sure the company you choose is |
| for the best policy. Rates and features vary | | | | legitimate and financially sound. To check |
| widely among insurance companies, so you need | | | | out an insurance company, go to your state's |
| to comparison shop. | | | | department of insurance website. You can also |
| | | | go to the A.M. Best website (ambest.com) to |
| The easiest way to do this is to go to an | | | | check a company's financial stability. |