Health Insurance
Health Insurance Information
Health Insurance
G. David Harris Insurance Services offers the best carriers in the market when it comes to individual health plans. To obtain quotes, click on once of the carrier links below and complete the online application or call Hank at (305) 885-2055.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed
Care. Although these plans differ, they both cover an array of medical, surgical
and hospital expenses. Most cover prescription drugs and some also offer dental
coverage.
- Fee-for-Service
These plans generally assume that the medical professional will be paid a
fee for each service provided to the patient. Patients are seen by a doctor
of their choice and the claim is filed by either the medical provider or the
patient.
- Managed Care
More than half of all Americans have some kind of managed-care plan1. Various
plans work differently and can include: health maintenance organizations
(HM0s), preferred provider organizations (PPOs) and point-of-service (POS)
plans. These plans provide comprehensive health services to their members
and offer financial incentives to patients who use the providers in the
plan.
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