Pompano Beach has a population of just under 100,000 residents and there are plenty of health insurance companies to provide medical coverage in this town. Currently AARP, Aetna, Cigna, Humana, Coventry and United Health One offer individual health insurance in Pompano Beach. This is a wide variety of options, which is great but can also get confusing to the health insurance newcomer. Not to worry, East Coast Health Insurance agents are always ready to sort through plans with you personally, and guide you to ultimately deciding on the best possible plan for you and your family. Our licensed agents can be reached at 888 803 5917.
Since East Coast Health Insurance is your next-door neighbor in Deerfield Beach, we understand the Pompano market thoroughly, and are always willing to answer any health insurance questions with you. Here is a brief guide through the companies and the most affordable plans available in your city, which will hopefully help you to get a better idea of what to select. The best way to find out which insurance plan is right for you is to fill out a quote, which only takes a few seconds, and select a price range that works for you.
Pompano Beach Health Insurance Companies
AARP – this company is quite expensive at first glance, unless you have medical issues. They are not available unless you are over 55. Their network (identical to Aetna) is very broad, and claims would be paid with no qualms as Aetna and AARP are terrific companies.
Aetna – they have come down on price since last year which was without doubt too high. But again, Aetna has an outstanding network and claims paying is a cinch. Still, in Pompano they are not near the top of pricing but they are certainly very competitive with the mid tier. Aetna also has the easiest underwriting and are the only ones besides Cigna which will consider chronic conditions such as diabetes.
Cigna – this carrier is near the top in pricing and having fast and fair underwriting. They are not number one in pricing but are usually in Pompano like 2 or 3. They have gotten better every year and now their plans even have copayments for the ER and certain procedures without a deductible. This is an awesome plan and possibly the best alternative for those that like HMO benefits with PPO networks.
Coventry – my personal favorite carrier in South Florida. These guys offer HMO plans in Pompano and some PPO options as well. However, their HMO is the best. They have lots of pricing options so if you can find a way to make this work for you, the coverage is awesome. That being said, the coverage won’t work for everyone.
Humana – these guys are killing it in Pompano as they are by far the most affordable plan. Their claims paying is decent and their underwriting is fast and fair. In most cases, they are your best option in Pompano in 2012.
United Health One – one of the most financially stable carriers, though they are no where near Humana in pricing and have had claims issues in the past with us. Still, in certain demographics they are awesome and we love their HSA plans. Always read the fine print with these guys!
Pompano Beach Health Insurance Sample Quote
For a better idea of what plans are available for the greatest savings and highest number of benefits in Pompano Beach, we ran a quote for a 30-year-old male living in zip code 33060. Because we’re somewhat biased and like to keep our quotes consistent throughout the site, the deductible we chose is $2,500, as it is an effectively well-priced deductible to work with. $2,500 deductible plans are not the only cost-saving plans in the world, but they do offer a nice set of benefits for an annual cost that won’t make a huge dent in your income. Monthly premiums are also quite manageable at this rate for individuals and their dependents. We also only chose plans that offer immediate benefits such as doctor’s office visits for a copay, which doesn’t mean you shouldn’t buy an HSA plan, but this might be cheaper in certain cases.
When quoting for our sample client, we discovered Cigna to have the best deal in this price range. The Open Access Value 80/20 plan for $129 per month features doctors office visits for a $40 copay as soon as your plan starts. With a very high customer rating, this plan is growing more popular among Floridians as Cigna becomes a stronger force with time. Cigna used to have a very limited network, but now we are happy to see them gaining traction and giving quality care.
Next is our other price leader, UnitedHealthOne, with the Copay Select Value option for $131 per month. This plan offers primary care and specialist visits, as well as prescription drugs and urgent care for a copay from the start date of your plan. For this specified demographic, UnitedHealthOne seems to always accommodate with their value plans, which are a value due to covering generic prescription drugs only. It is becoming more regular to see generic only plans for money saving purposes among all major health insurers, as it is much more cost effective for the policy holder as well as the insurer.
Celtic Preferred Select PPO is also a possibility for this Pompano resident, at a premium rate of $153, it offers the lowest charge for office visits at $15 for primary care. It is also a PPO plan, so while your network is the most affordable option, you can still receive coverage with outside providers. With 80% coverage on hospital services after you meet the deductible, and the full gamut of prescription coverage, Preferred Select isn’t a bad option at all. The least costly HumanaOne plan with the most benefits, including immediate ones, is the Enhanced Copay 80 plan. This plan costs this individual $233 per month, and has a separate $1,000 prescription deductible, though you have access to generics instantly without involving the deductible. HumanaOne is more pricey but has a great network and high quality of care.
It is incredibly important to keep in mind that prices change based on age, family size and gender, as typically the older you get and the larger your family is, the more premiums rise. Get a personalized quote to find out what plans are best for you.
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* East Coast Health Insurance also recently purchased our new Pompano Auto Insurance Agency called Fiesta Insurance. You can get auto insurance anytime at 954 633-7530 or by going in person to924 E Sample Road Pompano Beach, FL 33064