"Providing unique insurance and
human resource management programs that will attract and retain
quality employees to support your specific business goals."
We will actually quote the carriers that
make sense for you and service your account with expertise,
friendliness and professionalism. We've been in business since
1979 and are committed to serving the needs of our community.
Health Insurance Jacksonville plans
available are ones with copays, copay savers, high deductibles,
low deductibles, maternity (with pre-existing), pharmacy, health
savings accounts and many options, riders and benefits. We are
confident that we can find a plan and price that meets your needs.
Pre-existing conditions- We will try our
best to find a carrier for you. When you speak with Stase' Fink it
is critical that you share all medical treatments other than a
common cold during the last ten years and any medications you are
currently taking. Giving us this information upfront will provide
you the greatest opportunity to find coverage if you have
pre-existing conditions.
Our Process for Quoting
We provide you three options:
1. Go to our FREE online instant quote engine
by
clicking here.
2. Go to our online agent submission form
by
clicking here.
3. Call Stase' Fink at 888-479-0490 and
speak with her directly.
Expert advice is difficult to find. If
you are looking for an honest evaluation of your options you have
come to the right agency. You will have access to our health
insurance specialist, Stase' and not a call center with new agents
every time you call. If she is on the phone or seeing a client
please be patient! She will get back to you in a timely manner. If
you do have patience we are confident you will receive the best
service available. If you are an email fan go ahead and send your
request to
smfink@benefit-advisors.com,
however we recommend the phone or an online form.
If you need to leave a message please
provide your name and contact information. Take your time and
speak slowly so that we can understand.
FAQs
1. Do you offer the best
prices?
In the interest of Jacksonville and
Florida citizens health insurance premiums are filed with and
regulated by Florida's Department of Insurance. Every agent in
your geographical area has the same price for each insurance
company. The difference will be service, expertise,
professionalism and convenience. Whether you buy from Benefit Advisors or directly from the health insurance company, you'll pay
the same monthly premium for the same plan. This means that you
can enjoy the advantages and convenience of shopping and
purchasing your health insurance plan through Benefit Advisors and
rest assured that you're getting the best available price.
2. If I apply for an
insurance plan, am I obligated to buy?
No. You are under no obligation to buy a
health insurance plan when using our site. After submitting your
application you may cancel it at any time during the
underwriting process. When you submit an application you will
typically include your credit card number, bank account
information, or a check for the initial premium payment. Most
insurance companies will not charge your card, debit your
account, or deposit your check until you are approved. If you
are charged or your check is cashed and you are denied for
coverage or cancel your application prior to approval, the
insurance company will issue a refund to you. Some insurance companies may charge an
application fee, typically $25 or less. You will be notified in
the application if the plan you chose requires an application
fee. Please note that these fees are non-refundable.
3. Why should I
work
with you rather than buying an insurance plan elsewhere?
The individual health insurance
services we provide Florida and Jacksonville health insurance
policyholders:
Many Product Offerings. Because we are
a health insurance agency and brokerage firm, we can offer plans from multiple insurance
companies in your area. We offer a many health insurance
companies and plans, which allows you find the plan that
best fits your needs. Benefit Advisors is one of the largest
employee benefits agencies in North Central Florida and is a
preferred with most health insurance companies.
Competitive Prices. Health insurance
premiums are filed with and regulated by Florida's Department of Insurance. Whether you buy from
Benefit Advisors or directly from the
health insurance company, you'll pay the same monthly
premium for the same plan.
Efficient Service and Processing.
Benefit Advisors offers personalized and efficient ways to apply for health
insurance because many of the plans offered on our website
can be submitted and signed electronically, eliminating the
need to manually print and mail applications. This usually reduces
average processing time significantly.
Superior Customer Service.
We believe that you'll enjoy the best customer experience
available in the Florida health insurance industry. Stase'
Fink and other licensed
health insurance agents are experts in the field. You will
not be sent to a call center, instead you will receive
personalized attention start to finish with the same agent
who understands you.
If you have other questions
regarding definitions or how health insurance works just give us a
call at 888-479-0490 or email Stase' Fink directly at
smfink@benefit-advisors.com.
Helpful Information
is Available from the Department of Financial Services
Individual health savings
accounts are different than group health insurance. Legislation establishing Health Savings
Accounts took effect on January 1, 2004. HSAs and HSA-eligible
health insurance plans are becoming more popular. Jacksonville
citizens should evaluate whether HSAs are right for them before
purchasing these plans. Call Stase' Fink at 888-479-0490 for an
informative discussion or email her at
smfink@benefit-advisors.com.
An HSA is a tax-favored savings
account that may be used in conjunction with an HSA-eligible
high deductible health insurance plan (HDHP) to pay for
qualifying medical expenses. Health savings accounts cannot
be purchased without a qualifying high deductible plan.
HSA eligible health insurance plans
can help you save money and allow you to free up funds to
put towards a health savings account. The cost for an
HSA-eligible high deductible plan is almost always 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 designed by the
IRS.
Funds in the HSA may be invested
at different times of the year. You may accumulate funds
year by year.
The majority
of generics are typically sold at 15 to 50 percent less than
brand drugs. A generic
drug is identical to a brand name drug in dosage form, safety,
strength, route of administration, quality, performance
characteristics, and intended use.
You can be
assured that FDA approved generic drugs have met the same rigid
standards as the innovator drug. To gain FDA approval, a generic
drug must:
Contain the
same active ingredients as the innovator drug.
Be
identical in strength, dosage form, and route of administration.
Have the
same use indications.
Be
bioequivalent.
Meet the
same batch requirements of identity, strength, purity, and
quality.
Be
manufactured under the same strict standards of the FDA’s good
manufacturer practice regulations required for innovator
products.
Contact your
physician or pharmacist for information on generic drugs. You
can also visit the FDA Web site at
http://www.fda.gov/cder/ogd/index.htm
for more information. The examples listed below are commonly
prescribed medications with generic equivalents and their price
differences.
Prescription
Brand
Cost
Generic
Cost
Antidepressants
Prozac
$82 - $187
Fluoxetine
$70 - $92
Arthritis *not
identical
Celebrex
$45 - $104
*Ibuprofen
$8 - $10
Gastrointestinal Preps/Anti-Ulcer
Prilosec
$120 - $134
Omperazole
$93 - $114
Cholesterol-reducing
Mevacor
$45 - $80
Lovastatin
$34 - $40
Heartburn
Zantac
$60 - $80
Ranitidine
$10 - $20
Blood
Pressure
Zestril
$48 - $62
Lisinopril
$19 - $28
Pricing is approximate average wholesale prices for 30
pills.
This quick
sheet is for informational purposes only and is not intended to
replace the advice of insurance professional.
Maternity Coverage
Know
the Difference between Group and Individual Maternity Coverage
Maternity coverage can be the most
frustrating part of insurance for many young families. Most
individual health insurance policies exclude a maternity
benefit. You can purchase a rider that will cover office visits
and child birth. Most, if not all companies in Florida will not
provide coverage if you are already pregnant. However, under
Florida Small Group Reform group health insurance carriers
cannot put a pre-existing condition on you for pregnancy. Group
health insurance will cover maternity costs up to the
limitations and exclusions of the policy.
*Maternity coverage means the insurance
covers part or all of the medical cost during a woman's
pregnancy. Coverage is broken down into inpatient and outpatient
services. Usually, inpatient coverage includes hospitalization
and physician fees associated with child birth. Outpatient
coverage pays for prenatal and postnatal OB-GYN office visits.
Certain terms may vary.
Temporary Health Insurance (Short-term)*Instant
If you are looking for temporary health
insurance in Jacksonville we have a quick and easy health
insurance policy for you. If you are looking for a short-term
policy in between jobs it is absolutely critical that you speak
with us directly. COBRA and Mini-COBRA will protect you from
pre-existing conditions. Make sure you understand your the risks
of switching from a group plan to an individual plan.
Whether you are moving into Jacksonville or
moving away to another campus you can purchase student health
insurance from our preferred vendor Assurant/Fortis Health
Insurance Company.
Buying cheap insurance never makes good
sense. Buying quality Jacksonville health insurance that will
protect you from financial loss due to a sickness or injury does
make good sense. The question to ask is not, "Do you have cheap
health insurance?, but do you represent financially stable
companies with competitive premiums?" Every honest and reputable
agent wants to find you the best coverage and price for your
specific needs. Part of finding a good plan is working with a good
agency.
Review the description of your selected plan below. Read
through the product brochure for more details. Select any
optional benefits you prefer. Then click the Apply button.
Plan
Copay 35SM
Requested Effective Date
*
Deductible
Maximum Family Deductible
Maximum two deductibles per family per calendar year
Coinsurance
Estimated Premium
$107.62
Monthly
Design Basics
Lifetime Maximum
$3 million per covered person
Initial Rate Guarantee
12 months (subject to benefit and
address changes)
Inpatient Expense Benefits
Room & Board, Intensive Care Unit,
Operating Room
80% After $500 copay -- maximum of 2
copays per person, per calendar year
Professional Fees of Doctors,
Surgeons, Nurses
80% After $500 copay -- maximum of 2
copays per person, per calendar year
Outpatient Expense Benefits
Surgeon, Assistant Surgeon, and
Facility Fees
80% After Deductible
Hemodialysis, Radiation,
Chemotherapy
80% After Deductible
Cat Scans, MRIs
80% After Deductible
Outpatient X-ray and Lab
80% After Deductible
Emergency Room Fees
80% After Deductible if admitted
Routine Health Benefits
Doctor Office Visit Fees
$35 copay, then 100%
Outpatient Prescription Drugs
Generic - $20 copay; Namebrand - $50
copay after $250 calendar year, per person deductible
Mammography, Pap, PSA Tests
80% After Deductible
This screen is intended only as general information. It
presents only a very brief overview of some of the standard
benefits of the plan(s) shown. The plan(s) also have
exclusions and limitations. Optional benefits may be available
for additional premium. Some details of the plan(s) vary by
state. Before you apply, please use the links provided to
download and review the product brochure. It contains more
complete information, including explanations of renewability,
preexisting conditions, out-of-network penalties, and
notification requirements.
To be considered for reimbursement,
expenses must qualify as covered expenses. Expenses are also
subject to reasonable and customary limits, unless you use a
network, and all other policy provisions, including
determinations of medical necessity. These plans are available
only to members of the Federation of American Consumers and
Travelers (FACT), an independent consumer organization. If
you are not already a member of FACT, you must join in order
to be eligible for these plans. Through a special agreement
between FACT and Golden Rule, you can enroll in the
association on this web site. You will fill out the FACT
enrollment form prior to making application to Golden Rule for
health insurance. For more information on the benefits of
FACT membership, visit
www.fact-org.org
. Estimated Monthly Premium does not include the mandatory
$3 per month dues for FACT membership.
FACT membership is not required of
Connecticut or Delaware residents.
Plans are subject to health
underwriting. Do not cancel any in-force health coverage until
Golden Rule informs you in writing that your application has
been processed, and coverage has been issued. Estimated
Monthly Premium shown is based on the information you
provided, and is subject to change based on the plan you
select, optional benefits you select (if any), and other
factors. Golden Rule Insurance Company shall exclusively
determine the premium actually required, and the effective
date of any coverage issued.
This is only an example. This is not a
policy nor is this an offer for a policy.
