General Health FAQ  

The best plan for you will depend upon your budget, your willingness to take on risk, and any pre-existing health problems. You may also want to investigate whether or not your doctor is on the PPO network of the plan you choose.  Having access to a PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  Please see our How To Guide to Buying Health Insurance for more information on this topic.

We offer instant quotes on our most popular individual plans.  These companies offer a range of plans, including full-coverage plans, high-deductible plans, and Health Savings Accounts. We have found these companies to offer the best value in most situations. However, some individuals may have specific needs such as maternity coverage, or may have a pre-existing condition that would make it advantageous to find a company with less stringent underwriting requirements. For these reasons, we offer many additional plans that we don't detail on the website, including Health Logic, Mainstreet, World, Rocky Mountain, Humana, and others. Please feel free to contact us if you would like help choosing a plan.

You can compare benefits and prices of the plans for which we have Instant Quotes by getting a quote, then clicking the button that says "Compare Side By Side", or the one that says "Compare Plans".

We use the term Full-coverage Plan to indicate a plan that covers surgery and hospitalization, and also covers prescription drugs and doctor visits after a copay. 

High Deductible Health Plans (HDHP) are plans that carry a deductible of over $1000, and do not typically cover doctor visits or prescription drugs until the deductible is met.  Our most popular plans in this category are through Fortis Insurance Company and UnitedHealthcare / Golden Rule.

Health Savings Accounts (HSA's) are plans that have high deductibles, and allow you to set up an account in which tax-deductible deposits can be made to cover future health expenses, including annual deductibles and copayments.  More information can be seen on our Health Savings Accounts page.

Temporary Short-term Health Insurance is available for people who need coverage for a period of six months or less.  These plans can start tomorrow, and are very reasonably priced.  More complete details can be seen by going to the Temporary Health Insurance page.

Student Health Insurance is available only to undergraduate students taking 9 or more hours, or full-time graduate students.  These plans offer very low rates and outstanding value. More complete details can be seen by going to the Student Health Insurance page.

We are paid commissions by each of the insurance companies whose plans we offer. As long as you continue to use us as your insurance broker, we continue to earn commissions on your business. It is therefore in our best financial interest to make sure that you are happy with your coverage.

With many of the plans we offer, you could choose to purchase the policy directly from the insurance company. The premium, by law, is the exact same premium that we offer at eFLHealthInsurance.com. By using us as your broker, you get the added benefit of a personal contact to help you in getting the application through underwriting and issued, and help with any claims issues you may have in the future. We can also help you look for new coverage if you rates go up with your current company.

Yes. Most companies require a request in writing, but sometimes it is possible to cancel over the phone. If you cancel an individual policy within 10 days of receipt, you will receive a 100% refund of the health insurance premium paid. Some companies do not refund the application fee.

These companies provide health insurance predominately through large employers, and do not sell directly to individuals or families. Because group coverage is much more complex, we do not have information about these plans on the website. Please contact us if you would like information on group coverage.

A PPO is a Preferred Provider Organization. As a member of a PPO, you can go to any doctor of your choice. You never need a referral to see a specialist. If you go to a doctor within the network, your insurance will normally cover more than if you go to a doctor who is not in the network.

Health Savings Accounts (HSA's) are plans that have high deductibles, and allow you to set up an account in which tax-deductible deposits can be made to cover future health expenses, including annual deductibles and co-payments. More information can be seen on our Health Savings Accounts page.

A COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. This is a law that guarantees that an employee and their families can continue insurance coverage for a specified amount of time after termination of group health insurance coverage with the company.

To be eligible for a COBRA plan, an employee must be terminated or resign from a job that offered group coverage. This qualifies that employee and family for 18 months of health insurance coverage, at a cost of 102% what the coverage was costing the employer. This typically results in a very high premium. If you do not have pre-existing conditions that would prevent coverage under an individual policy, we can most likely save you a lot of money.