HEALTH PLANS & BENEFITS
Individual Health Insurance
Individual health insurance is health coverage that is purchased by an individual or a family that is not tied to a job or a group of policyholders. Many people get health insurance through their employers. However, if you do not currently participate in your employer’s health plan, or if your employer doesn’t offer coverage, obtaining individual insurance is a good route to go to ensure that you and your family can receive affordable routine health care and be protected from very high costs in the event of a medical emergency.
Having some form of insurance that provides minimum essential coverage is more important than ever. That’s because the Affordable Care Act (ACA) requires most individuals to obtain coverage or pay a penalty. The penalty for individuals who do not purchase health insurance has increased significantly and will continue to be adjusted with inflation.
Health Insurance open enrollment is required for everyone. Each year you must go back through the marketplace to purchase insurance. Open Enrollment occurs at the end of the year and usually last between 3-4 months. However, if you have a significant life change updating your insurance policy is available to you during the rest of the year.
Most health plans include essential benefits which include:
- Emergency services
- Maternity and newborn care
- Mental health/substance abuse treatment
- Prescription drugs
- Rehabilitation services and devices
- Laboratory services
- Preventative services and disease management
- Pediatric services including oral and vision care
Peoples First Insurance is a certified Florida Blue Insurance Provider. Understanding health care reform and what you need to do can be confusing. As health insurance experts, we can answer all your questions and help you find affordable coverage that fits your health care needs.
Please visit the ACA Open Enrollment tab on our homepage to fill out an Applicant Form. Once you have completed the form press submit and your information will be sent to one of our qualified agents who can help begin the enrollment process for you. After submission, please call us to schedule an appointment to visit one of our Health Agents at your earliest convenience. This process can also be done over the phone if it is more convenient. If at any point you have questions about the application please call us.
Don’t wait until it’s too late, call us today to schedule a free health insurance evaluation, 850.770.7047
Group Health Insurance for Business
As an employer, you know that the reality of Health Care Reform, coupled with the unsustainable cost impact of offering health insurance to your employees, has forced businesses to demand innovative options, strong technical advice and visionary thinking to survive the transitions ahead. Business leaders can look to Peoples First to guide you through the myriad of issues related to Health Care Reform and to counsel you on strategies for ensuring the health of your people and the success of your business.
- Control over medical insurance programs
- Accountability for the dollars spent
- Innovation and choices on program design
- A strategy for integrating insurance and health risk management into business
- Data analytics and benchmarking to pinpoint targeted areas
- Measurable approaches toward human capital management
- Communication tools to help the workforce understand the impact of Health Care Reform
- Successful and streamlined means of compliance with Health Care Reform
Peoples First Insurance is ideally positioned to lead the transformation of how employee benefits are delivered due to our strong market presence, penetration in the middle market, and tenured practices in Health Risk Management, Employee Benefits and Risk Retention programs. PFI Benefits is aligned to fully integrate health risk management with employee benefits to help employers manage data, identify risks, impact their cost drivers and bend the trend of double-digit health care plan cost increases. At Peoples First Insurance we have a comprehensive menu of products, options and choices to help you design a best-fit benefits package that’s right for your business, your employees and their families. We work hard to ensure you get control over your program’s costs with the goal of achieving a flexible, affordable, and sustainable program for the long term.
As an employer you need to understand all of your options to make the smartest decisions. That’s why it is key that we are an independent agency and that our exclusive Comprehensive Benefits Evaluation process includes analysis, checkpoints and annual reviews for competitiveness. At Peoples First Insurance we collaborate alongside your management team to Collect Data, Analyze, Implement and Monitor the best possible plans and strategies for your business.
For more information about our health plans and benefits, contact us at 850.770.7047