MAR Insurance Group Inc. offers a large selection of individual coverage for those who may need it. We work with major carriers across Florida and we never charge a fee for a expert guidance. For general information on individual coverages, click the appropriate links below. For a quote, please use the form below to contact us or click the instant quote link to the right.
+Major Medical
Health Insurance
Below are the various types of major medical policies you may purchase to meet your specific needs.
A Health Maintenance Organization or HMO offers lower premiums and a significant savings on routine and preventative healthcare. This type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
Wellness and Health Savings Accounts (HSAs) are cost saving strategies implemented into health plans to save consumers money on their healthcare costs. Employers have been implementing these tools into their benefit packages for years to save money on rising premiums. The concept is simple – a healthy person equates to less health claims for the insurer. Accordingly, many of today’s individual insurers offer the following similar benefits to individuals and families.
- Wellness & Healthcare Consumerism – information and tools about nutrition, exercise, preventative medicine, substance abuse and many other healthy alternatives to make decisions that improve your overall health and well-being.
- Health Savings Accounts (HSAs) – save you money and combine a tax-advantaged savings account with a high deductible, low premium plan. Make tax deductible contributions to the savings account. Dollars in your health savings account earn interest tax-deferred and roll over from year to year until you decide to use them. Withdrawals from your health savings account are tax-free as long as you use them for qualified medical expenses, as defined by the IRS.
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+Dental & Vision
Dental & Vision
Below is general information on what these plan may cover and how they work.
Individual Dental Plans
Individual and family dental plans or policies are relatively inexpensive, but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.
Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
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+Short Term Health
Short Term Health Insurance
Below is general information on what short-term health insurance may cover and how it works.
Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.
Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA) to avoid penalty. However, currently the future of the ACA is unknown at best and may be entirely repealed and replaced by a new healthcare law. We encourage you to call us for assistance to be sure you are in compliance with all federal and state healthcare laws.
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+Long Term Care
Long Term Care Insurance
Long-term care encompasses a wide array of services that fall under two general categories – skilled care and personal care, but generally does not require a doctor or a nurse, and is not typically covered by regular health insurance, Medicare or disability insurance.
- Skilled care is provided when recovering from an illness or an injury.
- Personal care helps maintain the daily activities and functions of life.
The need for LTC is not always age related. Although more than half of all individuals age 65 & over will need LTC at some point, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64. It is never too early to plan for long-term care.
Here are examples of what LTC policies may cover:
- Institutional Care: Nursing home, assisted living services residential care facility, hospice care, adult foster home, respite care and more.
- Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
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+Accident
Accident Insurance
Accidents can happen anytime. Supplemental Accident Insurance is very affordable and complements your major medical policy, in the case of an accidental injury.
Accident insurance helps to protect you from financial hardship due to a great deal of medical and out-of-pocket expenses that follow accidental injuries. Emergency treatment, hospital stays, medical exams, transportation and lodging needs are just a few of the expenses that accident insurance can help cover. Some policies can even pay benefits in as little as a day, based on time of claim submission.
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+Disability
Disability Insurance
We offer both Short-Term Disability and Long-Term Disability to meet your financial needs.
Disability Insurance protects your most valuable asset during your working years, which is your ability to earn a living. Statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45, yet many people overlook adding affordable disability insurance to round out their protection portfolio.
During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.
Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.
Short-Term Disability generally allows for income payments to begin after about a two-week waiting period and will continue to pay until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.
Long-Term Disability generally allows for income payments to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay far longer than STD–for a few years, up to age 65, or even for life.
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+Life Insurance
Life Insurance
We offer two basic types of life insurance, Term Life Insurance and Permanent Life Insurance.
Term Life Insurance is simple, affordable, and flexible at a 5, 10, 15 to 30 year fixed term. It is considered the most basic and affordable type of life insurance, designed to meet temporary needs. This type of life insurance does not build cash or investment value and only covers you for a set period of time, provided you pay the monthly premium.
Having term insurance means the carrier will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. In most cases, term life insurance proceeds are tax-free. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
Permanent Life Insurance provides lige-long protection and a savings strategy for the future. Whole life insurance (also known as cash value) builds up a cash value that has many benefits to the insured. Because the policy accumulates a cash value, the insured may borrow against the policy tax free or simply build a tax deferred investment income. The insured may cancel the policy for part of the cash value after a period of time. Upon the death of the insured, the policy pays the death benefit to the named beneficiary, also tax free.
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+Critical Care
Cancer/Critical Illness Plans
Surviving cancer and other critical illness is becoming increasingly common with the advances in modern medical technology. Cancer/Critical Illness Insurance can help reduce the personal financial impact of the cost of fighting these illnesses or keeping up with everyday bills through that process.
Some key features:
If you have a health insurance plan and/or disability insurance, Cancer/Critical Illness Insurance will provide benefits in addition to your other coverage.
-Lump-sum cash benefit paid directly to you.
-You decide how best to spend your payment.
-No network restrictions.
-Benefit level choices to fit your needs and budget.
-Simple plan options for your needs and budget.
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+Foreign National
Foreign National
Health Insurance for Immigrants and Green Card Holders
We offer a variety health insurance plans for individuals and seniors who do not qualify for private or domestic US health insurance.
Plans include comprehensive coverage up to age 95 and cover physician, hospital and emergency services. One year renewable terms. Visit any doctor.
Plans also include limited coverage at lower cost premiums. Ask us for more details.
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+Living Benefits
Living Benefits
Living Benefits is a type of life insurance where insurance benefits are accelerated and available for people to use while they are still alive, and in hospice or other type of crtical care. The industry refers to this type of insurance as “Living Benefits” which help people to receive care and pay for chronic or terminal illness that precedes death.
The plan pays a lump sum to insured and will also pay regular dealth benefits to named beneficiary upon death of insured.
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Important Notice
To sign up for regular health insurance, you must do so during annual open enrollment:
NOV 1st to DEC 15th Annually
You can enroll/purchase policies for all other insurance products on this page at anytime of the year.
*Click here for more on Healthcare Reform Guidelines
Request A Quote or Call 800-373-9677
Fill out the form below and we will contact you soon.
Healthcare Reform Guidelines
-No pre-existing clause. Insurance companies can no longer increase rates or deny coverage because of a pre-existing condition.
-Dependents up to age 26 may be added to an insurance policy for both individuals and employer coverage.
-Gender is no longer a factor in determining rates.
-Starting in 2019, in Florida, there is no longer an individual mandate (or penalty for non-compliance). In other words, you do not need to buy full health insurance to avoid a tax penalty. If you are relatively healthy, you still do not need to go without health insurance. Consider one of our more affordable supplemental products that can be purchased any time of the year and provide great coverage if you get sick unexpectedly or have an accident. Ask us about these policies today!
-Individuals who purchase their health insurance through the Federal Health Insurance Marketplace may be eligible for tax credits which are applied as a discount on your monthly insurance premium.