Florida Group Health Insurance

Employers in Florida are able to find, compare, save, and enroll in group health insurance with Sanus Benefits. All throughout Florida the Sanus Benefits Portal gives you access to unique, affordable, and comprehensive group benefit options. We offer group health insurance in Miami, Orlando, Tampa, Jacksonville, and all other cities in Florida. Our quoting tool allows you to compare all carriers in Florida and gives you access to unique options such as the Association of General Contractors Health Plan. All Group Health Plan Options are included during quoting such as: Fully Insured Health Plans, Level Self-Funded Plans, Self-Funded Plans, Limited Benefit Plans, and Reference-Based Pricing Options. Depending on your group, any one of these options could be a good choice for you and your employees. Your personal local Florida Group Health Insurance consultant will be able to guide your group through quoting and ensure you receive quotes from plan options that are most beneficial to your populace.

Florida has a wide range of Health Insurance Carriers available to employers. All of the options have various funding types, networks, prescription tiers, cost saving partners, plan types, and other unique benefits. The most popular carriers in Florida are: Aetna, Florida Blue, Cigna, and AvMed. These are just a few of the many avaliable. The table below provides information on some of the various group health insurance carriers avaliable in Florida and the funding types they offer with their coverage. If you would like to unlock additional details on each carrier and the one that would be the best for your populace create an account with the Sanus Benefits Portal its free.

Florida Health Insurance Carriers

Carrier	Fully Insured Plans	Level Self Funded Plans	RBP Plan Options
Aetna	Yes	Yes	No
Florida Blue	Yes	Yes	No
Cigna	Yes	Yes	No
AvMed	Yes	Yes	No
All State	Yes	Yes	Yes
Angle	No	Yes	No
Angle	No	Yes	No
Gravie	No	Yes	No
Curative	No	Yes	No

Quoting Group Health Insurance in Florida

The most efficent way to quote Group Benefits in Florida is by utilizing a portal like Sanus Benefits. There are hundreds of plan options and copious amounts of information to remember about each. Our no cost portal provides you with immediate access to an experienced Employee Benefits Consultant to assist you in finding plans that fit your needs. With the wealth of information provided, and unique cost saving features avaliable groups are able to enhance their benefits while still saving. Below are some considerations you need to take into account when deciding on Health Insurance for your Group in Florida.

Florida Employee Benefits Compliance

When offering group Health Insurance in Florida, there are certain mandates you need to adhere to just as across the country. The most notable of these mandates is the ACA (Affordable Care Act). The ACA requires all employers with 50 or more full-time equivalent employees to offer health insurance to their employees. Notice it does say equivalent, part-timers are added together for the purpose of calculating whether or not your group is considered a 'Large Group'. The ACA also requires that all plans offered to employees are ACA compliant. This means that all plans offered to employees must cover the 10 essential health benefits. These benefits include: Ambulatory Patient Services, Emergency Services, Hospitalization, Maternity and Newborn Care, Mental Health and Substance Use Disorder Services, Prescription Drugs, Rehabilitative and Habilitative Services, Laboratory Services, Preventive and Wellness Services, and Pediatric Services. In addition to the ACA, there are other reporting and compliance requirements that need to be met. Such as 1094/1095 Reporting, HIPAA, Mandated Notices, and much more. Employers can rest easy with Sanus Benefits, we provide: Benefits Booklet w/ All Required Notices, Regular Compliance Updates, HIPAA certified Consultants Available to Employer & Employees, Employee Coverage Tracking, and all other Compliance documents.

Network Of Florida Doctors And Plan Types

There are a variety of plan types and networks for employer health insurance in Florida. It is hard for employers to decipher their meaning and the best option for their group. There are PPO, HMO, and EPO plan types. PPO Health Plans are the least restrictive of these options. PPO plans generally have affordable copays, and a wide selection of providers/doctors. If your employees are adamant on using their doctor, then I highly recommend a PPO option. Unlike the other options, PPO plan types even offer coverage for Out of Network Providers. EPO plans generally have the same network size as PPO plans (They use the same in-network doctors). However, EPO Plans do not offer out-of-network coverage. HMO plans are the most restrictive of the three plan options. HMO plans sometimes require employees to designate a primary care provider, and only go to specialists he/she recommends. However, not all HMO options have this restriction. Either way, HMO networks are the smallest in comparison with EPO and PPO plans. In addition to having the smallest network, HMO plans like EPO plans do not offer coverage to out-of-network providers. This is just a quick synopsis of differences. To get exact details on your plan type, I would recommend reviewing the SBC (Summary Of Benefits And Coverage). The SBC will show your coverage details, and plan type. The other aspect is the network of doctors/providers. Some carriers have a larger network than others and some have access to premier providers in a certain area while others do not. The Sanus Benefits Quote Tool will allow you to quickly access each plan's network for an in-depth comparison. This will also ensure you are checking the right network for each plan you are reviewing.

Florida Health Insurance Carriers Quoted

The Florida Health Insurance industry is very competitive and complex. The most affordable Health Plan in Miami, Florida can very well be the highest costing plan in Tampa, Florida. Price is not the only difference, some carriers are not available statewide or use an alternative network when out of their coverage area. Also, you should make careful note of how many carriers you receive quotes on and why. 10 years ago this was a non-important factor because there were only 4 carriers available. Now there are over 10 Health Insurance Carriers available with some areas having even more. They all use different underwriting methods, various plan options, unique cost-saving features, different networks, and other exclusive benefits to each. With the additional complexity being added each year, and the numerous opportunities to make a mistake, it is apparent an online solution is needed to keep everything in line.

Our comprehensive Florida Employer Health Insurance Market Review via our group quoting portal will include these details and more to make sure you receive the best deal for your wallet as well as your health.