M. Silver and Associates-Your Florida Insurance Agents!

Permanent Health Insurance
(PPO, HMO, HSA, & Traditional Plans)





PERMANENT HEALTH INSURANCE
(PPO, POS, HMO, HSA or TRADITIONAL INDEMNITY)

Now that the Patient Protection and Affordable Care Act or "Obamacare" is in effect the following descriptions of plan offerings are outdated. As there have been continuing changes to these plans, we have not updated the information below. HOWEVER, the links are still active and will take you to the current plan information for each of the carriers. Please call us at 305-386-1111 with any questions about this situation. 

Cigna Individual Health Plans-Get a quote and apply online.

  • Cigna Individual Health Insurance Plans are Point-of-Service plans offering a variety of plan designs.
  • Cigna also offers HSA plans for individuals and families.
  • Plans are very competitively priced.
                   HumanaOne Health Plans-Get a Quote/Apply Online for Health Insurance
  • HumanaOne Individual Health Insurance Plan is a PPO plan available with several deductible levels and optional benefits.
  • HumanaOne HSA is a high deductible PPO plan that is compatible with the Health Savings Account.

Av-Med Individual Health Plans-Get a quote and apply online.

  • Av-Med Individual Health Insurance Plans are Point-of-Service plans providing more value for your health care dollar.
  • Vast network of providers.
  • Easy access to specialists.
  • Pharmacy and maternity benefits are available.
  • Discount for health and wellness.
  • Three month deductible carryover.
  • 12 month initial rate guarantee.
  • $5,000,000 lifetime maximum.

Vista Healthplans-Get a Quote/Apply Online for an HMO Plan

  • CoventryOne Health Plans offer HMO and PPO plans providing value to their insureds. 
  • Provider network of over 6,000 participating physicians.
  • Fixed, out-of-pocket copayments with no hidden costs.
  • Broad prescription drug coverage.
  • Preventative dental and vision coverage included in benefit design.
 

UnitedHealthOne Plans from Golden Rule Insurance Co.

  • United HealthOne Plans are underwritten by Golden Rule Insurance Company.

Aetna Advantage Plans-Get a Quote/Apply Online!

  • Aetna Advantage Plans offer a variety of insurance plans with the freedom to go directly to any physician, specialist, or hospital for covered services.
  • You have a choice of open access plans and HSA (Health Savings Account)compatible plans.
Assurant Health-Get a Quote/Apply Online for Health Insurance
  • Health insurance for individuals & families
  • Extensive doctor & hospital networks provide significant savings
  • Health Savings Accounts offer tax benefits on your health care spending
  • Wide range of plans & benefit options tailored to your needs
  • No referrals needed for specialists-you choose who you see
Celtic Basic Health Plans-Get a Quote/Apply Online for Health Insurance
  • Quality, basic health insurance coverage
  • Affordable rates to fit your budget
  • A no-hassle PPO with 80/20 coinsurance
  • Maximum lifetime protection of $5 million
  • Two $30 copay office visits per year
  • $200 wellness benefit included
  • Copay Drug Card option or Free Rx Discount Card

      Learn about HSA Accounts from:


      Go to the Home Page of HSA Bank, National Leader in Health Savings Accounts                               HSA Overview Presentation-Click Here

                                                                                        Discover if an HSA is right for you-Click Here
                                                                   
                                                                                       
      At the HSA Bank web site, you will find flash presentations and slide shows that provide simple explainations of  how HSA Accounts work.

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