Frequently Asked Questions

Below are some of the most common questions we get from our clients. If you can’t find your answer here don’t fret.  Just Contact Us and one of our agents will follow up you.

Can other brokers or agencies offer a better quote?

All of Florida’s health insurance premiums are regulated and filed with your Florida’s Department of Insurance. If you purchase a health plan from AM Health Insurance, another agency or directly from the health insurance company, you will pay the same monthly premium for the same plan guaranteed.

This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan online through AMHealthQuote.com while having confidence you’re getting the best pricing available in the industry.

By clicking on the type of coverage you are interested in and providing your zip code you will be asked to fill out a brief online application which includes your contact information. Your information will be kept private (see our Privacy Policy).

Next, you will be presented with competitive quotes from the leading Health Insurance Companies doing business in your area. This will be presented to you in a side-by-side comparison consisting of multiple plan designs and prices for your analysis. These real-time health quotes will be communicated to you instantly online if you are applying for individual or family insurance.

If you are a business with six or more employees, please contact one of our licensed agents so that we may discuss your options for group health insurance.

You can also speak with one of our licensed agents for impartial advice who can guide through this important decision making process by calling 1.877288.9658.

How does a PPO plan work?

As a member of a PPO (Preferred Provider Organization) plan, you’ll be encouraged through their pricing of services to use the insurance company’s network of preferred doctors and hospitals. With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician. Our team of advisors can help you research your preferred Doctors to see if they are included in the network. You typically won’t be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.

You will most likely have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills.

How does an HMO plan work?

HMO (Health Management Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospitals than other health insurance plans. As a member of an HMO, you’ll be required to choose a primary care physician (PCP) which you must see prior to being referred to a specialist.

With an HMO, you’ll likely have coverage for a broader range of preventative healthcare services some even offer discounts to health clubs. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. HMO’ typically offer no coverage whatsoever for services rendered by non-network providers or for services rendered without proper referral from your primary care physician (PCP).

How does an HSA work?

HSAs and HSA-eligible health insurance plans are a great way for people to control their health care dollars. Here are the basics:

An HSA is a tax-favored savings account that may be used in conjunction with an HSA-eligible high deductible health insurance plan to pay for qualifying medical expenses.

Choosing an HSA-eligible health insurance plan may help you save money. Typically, the monthly premium on an HSA-eligible high deductible plan is less expensive than the monthly premium for a lower-deductible health insurance plan.

Contributions to an HSA may be made pre-tax, up to certain annual limits.

Funds in the HSA may be invested at your discretion at a qualified financial institution of your choice. Unused funds remain in the account and accrue interest year-to-year, tax-free.

Not all high-deductible plans are eligible for use in conjunction with an HSA.What is a co-payment?

A “co-payment” or “co-pay” is a specific charge that your health insurance plan may require that you pay for a specific medical service or supply. We like to call this the “office visit fee”. If the insurance plan requires a $15 co-payment for an office visit then the insurance company pays the remainder of the charges.

What is a deductible?

A “deductible” is a specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Most Indemnity and PPO plans require you to meet the annual deductible prior to making payments.
What is coinsurance?

Coinsurance is the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. If there is a 20% coinsurance requirement, then a $100 medical bill would cost you $20, and the insurance company would pay the remaining $80 until you meet the total annual out of pocket requirement.

What about pre-existing conditions?

Many people worry about coverage for preexisting conditions, especially when they change jobs. The Health Insurance Portability and Accountability Act (HIPAA) helps assure continued health insurance coverage for employees and their dependents. Starting July 1, 1997, insurers could impose only one 12-month waiting period for any preexisting condition treated or diagnosed in the previous six months. Your prior health insurance coverage will be credited toward the preexisting condition exclusion period as long as you have maintained continuous coverage without a break of more than 62 days. Pregnancy is not considered a preexisting condition, and newborns and adopted children who are covered within 30 days are not subject to the 12-monthwaiting period.

If you have had group health coverage for two years, and you switch jobs and go to another plan, that new health plan cannot impose another preexisting condition exclusion period. If, for example, you have had prior coverage of only eight months, you may be subject to a four-month, preexisting condition exclusion period when you switch jobs. If you’ve never been covered by an employer’s group plan, and you get a job that offers such coverage, you may be subject to a 12-month, preexisting condition waiting period.

Federal law also makes it easier for you to get individual insurance under certain situations, including if you have left a job where you had group health insurance, or had another plan for more than 18 months without a break of more than 62 days.

If you have not been covered under a group plan and have found it difficult to get insurance on your own, check with your state insurance department to see if your state has a risk pool. Similar to risk pools for automobile insurance, these can provide health insurance for people who cannot get it elsewhere.