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Hegeman Insurance Brokerage: Orlando, Fl 

Orlando Insurance Industry Leadership For The 21st Century! Hegeman Insurance Brokerage is a full service Life and Health Insurance Agency operating throughout the states of Florida, Missouri and Georgia.  We provide our clients a complete portfolio of products through proven insurance carriers. Providing superior products, knowledgeable support staff, state-of-the-art communications and internet technology. Since our founding in 1996, service to our Orlando and Florida clients has been our primary mission.

Health insurance rates are governed by Florida Department of Insurance Law!  You won't find cheaper rates anywhere else, even if you call an insurance carrier directly.

To get started researching rates on a more affordable health insurance plan try using our instant online health insurance quoting system.  Your quotes and online applications are backed up by secure servers that utilize VeriSign and the strongest secure socket layer (SSL) encryption technology available for e-commerce 24/7/365. If you choose to submit an application during normal business hours, processing begins immediately. Feel free to make changes to your plan selection or withdraw with a full refund at anytime.  You also have a 10 day "free look" period, as required by Florida insurance law, after you receive your ID cards and printed policy to make plan changes or withdraw. Your total satisfaction is guaranteed.

Being located in downtown Orlando for the past 14 years, affords us a unique geographic location to serve Orlando and the Central Florida community.  We are personally involved with containing the high cost of health insurance by acting as brokers for some of the lowest cost health insurance plans available in Florida.  We guarantee your complete satisfaction with our service!

Call (407) 425-9347 for help and immediate quotes from multiple Florida health insurance carriers.  Don't rely on instant quoting, you will see the same companies quoted regardless of which website you are on (ask me why).  Call us for some fresh ideas and particularly if you have preexisting conditions...I guarantee it will save you time and money.

The best way to shop for health insurance is to have us   research Florida health insurance plans for you. We can tell   you   where the best deals are if you work with us. We'll   choose   from   various plans offered by the best companies as   well as   some smaller health insurance companies that you   might  not   have  heard of. 

1. Co-pay Plans – This is a very common type of health insurance plan for individuals and families. It has a deductible portion to the plan for major medical expenses but offers co-pays for doctor's visits, medication coverage, and annual preventative benefits.  

2. Catastrophic/ Major Medical Plans –  These high deductible plans do not cover any medical expenses (no co-pays, preventative benefits, or medications) until you meet the selected deductible (although some carriers are beginning to offer immediate preventative care benefits). This type of plan is ideal for someone who is generally healthy and/or doesn't mind paying out-of-pocket for minor medical expenses.  The idea is that you are protected from the catastrophic medical expenses. 

3. Health Savings Accounts- High Deductible Plans:  They work just like a catastrophic/ major medical plan.  The difference is that with an HSA you have the option of opening a specific type of financial account (Health Savings Account) where you can put away pre-tax dollars to cover any out-of-pocket medical expenses.