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Affordable Florida Health Insurance in Chipley Florida
Dependable, Chipley Health Insurance Plans... Free Quotes!

Chipley has been around since 1882 and since then Chipley has been a great Florida location to raise a family. Even though we're located off's tough finding "Affordable Health Insurance" around here. We help you find the best insurance prices available!

Florida Insurance Web is not like every other insurance company around Chipley. Usually an insurance agency will try to sell you "their" special brand of health insurance. That is not the way to offer insurance. To make an educated decision about your health care you need all the plans layed out in front of you. We offer a complete health insurance product line with free consulting services to help you weed through all the in's and out's of a policy. Our health insurance consulting includes: free insurance services such as: complete analysis of competing insurance products, individual analysis of your current health situation, and multiple insurance carriers and products to choose from. Get a Free Health Insurance Quote from the Chipley's most reliable health insurance provider. It's easy to sign up!



Chipley Health Insurance now has more insurance product lines than ever before! We provide premium health insurance services to all of Washington County. Our full range of reliable insurance services are listed below.
Florida Health Insurance - Help
Before you buy health insurance from any agent in Chipley; utilize our extensive health insurance services for a sound, accurate, and professional analysis of your current situation. Our full service health insurance agency knows and understands your needs. We can help you choose... (read more)
Individual Health Insurance Plans:
There is a huge cost difference between insurance carriers in Chipley. Use our comprehensive health insurance services to get a better understanding of the individual health insurance marketplace and the products available to you BEFORE you sign up with any agent here in town. (read more)
SMALL BUSINESS?: Small Group Health Insurance
Buying insurance in the State of Florida can be a nightmare. Insist on the best! Our experienced health insurance consultants provide accurate and reliable information that can be utilized to get the most beneficial health insurance policy available in Chipley.(read more)
MANY EMPLOYEES ?: Large Group Health Insurance
Avoid overbuying health insurance! We cater to your needs. Our experienced health insurance professionals believe employee benefits and risk should be viewed and managed as a system. It must fit your firm’s business plan.  Our professional insurance consultants take the worry out of managing large health insurance plans. Our large group insurance services are delivered to you with extensive knowledge of the Florida Insurance marketplace. You'll get the best price - guaranteed! (read more)
LOW COST: Chipley Health Insurance
How much does it really cost to insure your family? Can you afford it? we can help you come up with the best plan your family. Check out our superior health insurance products available and get a free health insurance quote with the click of a button. (read more)
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About Chipley Florida

In 1882, the community of Orange was founded and renamed Chipley. It was the year the Pensacola & Atlantic (later L & N) Railroad was completed beyond the town site.

Ironically, since Washington is still a dry county today, the first business enterprise was a wine shop that had been established on the site in 1881 by B. W. Berry, who also operated a pre-Prohibition Era whiskey distillery on land that nearly a century later would become Falling Waters State Park Recreation Center, just south of Chipley on Hwy 77.

Berry's business however came to an end in 1899, when the Washington County electors voted by a narrow margin to prohibit the manufacture or sale of alcoholic beverages within its boundaries.

Construction of a railway siding was completed in 1882 beside what was to become known as Tank Pond, near today's Agricultural Center and City Hall. Water was pumped from the pond into an elevated tank, where the steam-driven locomotives stopped to re-supply. The locomotives also obtained supplies of wood for fuel.

The original name of Orange, was probably for Orange Hill, the most prominent neighboring community.

Initial plans called for a town to be platted beside the railroad on a hill perhaps three or four miles east of Tank Pond, near the future site of the National Egg-Laying Test Site (Poultry Experiment Station). That site was then in Jackson County, a circumstance that prompted some of the Orange Hill and other Washington County promoters to seek a site in their county. They visualized county seat status for the proposed town, but they realized it could not be achieved in Jackson County. Marianna, then the largest town on the railroad east of Pensacola, had been well-established as the seat of government for Jackson County for half a century.

So the prospective promoters of the new town - Col D. H. Horne, Capt. Angus McMillan, Capt. G. W. Cook, Maj. W. J. Vankirk and J. M. Callaway, among others- approached Col. W. D. Chipley, manager of the new railroad, with the idea of moving the proposed town site into Washington County.

Col Chipley, persuaded by his friends, some of them former fellow-Confederate Army officers, accepted their proposal. Maj. Vankirk acquired title to 80 acres of land, which was then surveyed by Col. Horne, and would become the town's basic business district.

Soon after the site decision was made, the men named the town Chipley in honor of the railroad builder. As the town developed, however, its northern and eastern sections spread into Jackson County. That created problems, particularly for law enforcement and school officials, and that led to a border adjustment in 1915 that gave Chipley more Washington County "elbow room."

Insurance tip #17

Chooseing Chipley Health Insurance

Making a wise decision on which Health Insurance Policy to buy may seem like a confusing task, but if you consider just these five most important items you and your Chipley insurance agent will both find that you are a Savvy Buyer! These items are your KEYS to picking a policy that's right for you:

  1. The Insurance Company's Rating

    Ask your Chipley agent for the Company's A.M. Best rating. If the company is highly rated at this national rating registry, then the company will have literature showing their rating with an explanation of what it means. Choose only companies that have an A or A+ rating.

  2. The Insurance Company's Record of Complaints at your State Board of Insurance

    Every large company will have some complaints. Avoid companies that have a high number of unresolved complaints. Ask your agent for the phone number for your State Board of Insurance. If he will not give it to you, this is a warning signal! You can also look up the number in any directory of your state's agencies. No matter what your agent says, CALL your State Board of Insurance and ask them for the record on any company you are considering.

  3. The Limits Shown On Your Health Insurance Quote

    Check your quote to see if you are comfortable with the benefit levels. You can usually change several levels to fit your needs and budget. For example, a higher deductible will cost less each month. Also, many plans give you a choice to split your medical bills with the Insurance Company either 50/50 or 80/20 (with them paying 80%). Then they will have an amount (your stop loss) where they will take over at paying 100% of your covered bills for the remainder of the year. These deductibles and other levels start over every year in most plans. Some plans, though, have a "per cause" deductible. Such a deductible means that you will be responsible for bills up to that deductible for each accident or illness. Make sure you are aware of this distinction, so you can choose a plan that's right for YOU!

  4. The Limits Revealed Within The Policy

    Ask your insurance agent for a sample policy, and then check two sections: The Benefits and The Limitations and Exclusions. Many of your benefits are actually limited in the Benefits section. For example, diagnostic testing or outpatient treatment may be severely limited. These days, you could have a serious disease such as cancer, and never go into the hospital for it. You could rack up thousands of dollars in medical bills for the diagnostic and follow-up lab tests and MRIs, and then have surgery, chemo, or radiation therapy all on an outpatient basis.

    Other items that may be limited are your hospital room rate and intensive care. Your hospital room rate should be at least average semi-private and your intensive care benefit should NOT be tied to your room rate, but should, instead, be covered as whatever is an average ICU rate for the area of the hospital, also. Some policies limit the ICU benefit to 3 times the regular room rate, when ICU can cost you 10 or 20 times the room rate each day. A short hospital stay with a limit like this in your policy can cost you literally thousands of dollars. A long hospital stay with a limit like this in your policy could drive you into bankruptcy. Even if your policy says it takes over at 100% after $5,000 of covered medical bills, the important term here is "covered" medical bills. If the policy only pays three times the room rate for ICU, then the rest of the ICU bill is considered an "uncovered" charge!

    Look out for these types of limits!

    Also, be sure to check the Pre-Existing Conditions Limitation if you already have any medical conditions, and ask your agent if the Company will be excluding your conditions permanently on your policy.

  5. Pay the Insurance Company, Not the Agent, & Follow Up!

And lastly, make your check payable to the Insurance Company, and then follow up to make sure it was received. When you get your policy, check the Schedule of Benefits to verify you got the coverage you ordered, and then check to see if any special Amendments were added to your policy to exclude any of your conditions. If an Amendment exists, these conditions will always be excluded from this policy, even after the Pre-Existing Conditions Limitation expires.

Following these five tips will help you choose a health insurance policy which will protect you from catastrophic medical bills. You may think, "Isn't that what any health insurance policy is for?" Yes, that is the reason for buying any health insurance policy, but, unfortunately, many policies fall short of actually providing this protection! Be sure to take the time to choose wisely when it comes to your health insurance!

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