Health Insurance St. Petersburg, FL

SERVING THE ENTIRE STATE OF FLORIDA WITH COMPETITIVE QUOTES, SUPERIOR POLICIES AND UNSURPASSED CUSTOMER SERVICE.

I found the right health insurance St. Petersburg plan for my family and me. Thank you! John H., St. Petersburg  

Getting health insurance in St. Petersburg has become a necessity today. With the ever-changing city laws and rising inflation, you can't put your family's health at risk. This makes it highly important to consult a professional health insurance St. Petersburg agent. The high cost of healthcare services often increases your financial stress, but with an effective plan, you get the coverage you need to meet your medical expenses. It also provides you easy access to multiple services and facilities.

Health Insurance St. Petersburg, FL

St. Petersburg offers various individual and family healthcare plans to help those who are uninsured or can't afford expensive coverage for primary healthcare services. No matter if you are unemployed, self-employed, retired, or a student, a healthcare agent can help you figure out the right Health Insurance St. Petersburg coverage that fits your needs.

There are multiple options available in the market, selecting the best one could be daunting. However, the experienced health insurance St. Petersburg agents at Direct Insurance Network are well-versed with these complexities. Each plan offers different benefits but covers the consultation fee of physicians, and specialists, medical and surgical procedures, and prescription medicines. Some of these also provide additional benefits such as dental care, eye care, immunizations, and other preventive treatments.

Healthcare Insurance Options in St. Petersburg

There are several health insurance St. Petersburg options offered throughout St. Petersburg. We have discussed four of the most common ones for quick comparison.

FFS (Fee-for-Service)

It is the most orthodox health insurance St. Petersburg plan that covers the doctor's consultation fee. But either you or the doctor places a reimbursement claim, with the insurance company, for the offered services. But it is relatively expensive and requires thorough paperwork.

HMO (Health Maintenance Organizations)

Choosing a primary healthcare professional from a selected network is mandatory in HMO. This plan doesn't require much paperwork and is also pocket-friendly. In case you stay out of town for prolonged periods, then you can also apply for non-emergency reciprocity plans. The co-payments are also low, with zero deductibles on hospitalization.

PPO (Preferred Provider Organization)

This is one of the most popular and flexible health insurance St. Petersburg plans. Here you don't need to choose PCP, who can also recommend a specialist outside the network. Since it offers maximum laxation, the out-of-cost pocket also becomes low while providing access to multiple healthcare facilities and services.

POS (Point of Service)

These plans combine the benefits of PPO and HMO but are comparatively expensive. You don't need to select a PCP, and you can go to doctors out of network with or without referrals as company covers for your medical expenses. But using references for out-of-network doctors lowers out-of-the-pocket costs. However, the plan is highly beneficial but not popular among those seeking individual and family health insurance due to confusing terms and conditions.

We, at Direct Insurance Network, offer you various plans for health insurance St. Petersburg. For further assistance, you can call us at (561) 820-8737 or fill out the customer service form online.