Contact Us: ​(407) 745-4654
Florida Legacy Advisors
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  • Home
  • Quotes
    • Medicare Supplement Coverage Quote
    • Medicare Advantage Plan Quote
    • Life Insurance Quote
    • Annuity Quotes
    • Critical Illness Insurance Quote
    • Dental Insurance Quote
    • Disability Insurance Quote
    • Final Expense Insurance Quote
    • Group Benefits Insurance Quote
    • Health Insurance Quote
    • Long Term Care Insurance Quote
    • Vision Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Medicare Supplement Coverage
    • Medicare Advantage Plans
    • Life Insurance
    • Annuities
    • Critical Illness Insurance
    • Dental Insurance
    • Disability Insurance
    • Final Expense Insurance
    • Financial Planning
    • Group Benefits
    • Health Insurance
    • Long Term Care Insurance
    • Vision Insurance
    • Other Products >
      • Sega Tuition Rewards
      • Legal & Identity Shield
  • About
    • Staff Directory >
      • Tom Phelan
      • Gary Asker
      • Gene Torres
      • Richard “Rusty” Law
      • Jimmy Bejarano
      • ​Yvonne Starkey
      • Cynthia Barfield
      • Teresa Cillo​
      • William “Bill” Coventry, Jr.
      • Sandra Cox-Sanford
      • Scott Creighton
      • Shannon Davis
      • Dante Deritis
      • Gina Deritis
      • Jackie Dorsey
      • Tamara Lynn Dorsey
      • William Goolsby
      • Gwendolyn Jastremski
      • Christine Kinzler
      • Stephen Libby
      • Lucile Loveitt
      • Bridget Mathieu
      • Ruth Ray
      • Annie Thomas
      • Erika Thomas
      • Nadia Tupikina
      • Melonie Wood
      • Julie Tibaud
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Blog
    • News
  • Opportunities
  • Contact
  • Agent Login


Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(407) 745-4654
222 South Westmonte Drive
Suite 101
Altamonte Springs, FL 32714​
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Licensed in Florida, Georgia, Indiana, Maine, Tennessee and Virginia

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Florida Legacy Advisors​
222 South Westmonte Drive
Suite 101
Altamonte Springs, FL 32714
(407) 745-4654​
Click Here to Email Us
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