What types of private health insurance plans do you offer, and how do PPO networks benefit me?

We specialize exclusively in private health insurance plans featuring flexible Preferred Provider Organization (PPO) networks from carriers like UnitedHealthcare and Cigna. PPO plans require no referrals, offer nationwide coverage, give complete flexibility to choose your doctors, allow faster approvals and year-round enrollment, and provide direct access to top-rated hospitals and specialists.

What is a PPO network, and why should I choose it?

A Preferred Provider Organization (PPO) is a network of doctors and hospitals that offer discounted rates. Unlike HMO plans that require referrals, our PPO networks let you see any specialist without jumping through hoops. You get flexibility, faster care, and access to top providers, all across the nation.

Can I get coverage even if I have a pre-existing condition?

Yes. While private plans may evaluate pre-existing conditions differently than ACA plans, we work with multiple carriers to find coverage that fits your health history. Most conditions are covered after a 12-month waiting period, and some plans cover them immediately.

Why should I choose private insurance over government programs?

Private insurance offers greater flexibility, faster enrollment, a wider selection of providers, and plans that can be tailored to your lifestyle and budget. Government programs often come with rigid eligibility rules, long waiting periods, and a limited network of doctors and hospitals.

How much will my premiums cost?

Premiums vary based on age, coverage amount, and plan type. Private insurance is highly customizable. You can choose plans at different price points, from basic to full coverage.

Do I need a medical exam to apply?

In most cases, no. Many of our health, dental, and final expense policies do not require a medical exam, just a simple application and basic health questions.

Can my family be covered under one plan?

Yes. We offer both individual and family coverage for health, dental, and vision insurance. Life and final expense insurance can also be set up to protect your loved ones.

How affordable are your insurance plans?

We provide flexible coverage options at different price points to fit any budget. Premiums vary depending on age, coverage amount, and plan type, but affordability is always a priority.

What does term life insurance cover?

Term life insurance provides financial protection for your family if you pass away during the policy term. The benefit can be used to cover living expenses, pay off debts, fund education, or provide income replacement.

What is the difference between term life and final expense insurance?

Term life insurance is temporary coverage for a set number of years, designed to provide higher payouts for income protection and large expenses. Final expense insurance is permanent, lifelong coverage meant to cover funeral costs, medical bills, and end-of-life expenses.

Can I choose my own doctors and dentists?

Yes, our private health and dental plans connect you with large provider networks, giving you flexibility to choose from a wide range of doctors, hospitals, and dentists.

How quickly can coverage begin?

Coverage can often start as soon as your application is approved. Some policies offer immediate protection, while others may begin the following month depending on the plan selected.

Florida Locations We Serve

Fullone Family Insurance proudly serves families, individuals, and small businesses across the state of Florida — from Pensacola to Miami and everywhere in between.

Statewide Health Insurance Coverage

We work with clients in every region of Florida. Find your county and city below to see local health insurance resources, or view our complete Florida health insurance overview.

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Florida Locations We Serve

Statewide Health Insurance Coverage

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Locations

Florida Locations We Serve

Statewide Health Insurance Coverage

Southwest Florida

Southeast Florida

Central Florida

Northeast Florida

Northwest Florida

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