Florida residents have a variety of choices when deciding on what kind of health care coverage they are going to choose. This is both a positive and a negative, in that although you have the resources to get exactly the kind of care you are looking for, you are also burdened with the task of evaluating all of these resources to find the choice that best suits you or your family. That is why we have created this guide, to help you with the tricky part and match you up with a health care provider who can help you along the rest of the way.
Florida Families’ Health Care Policy Options (FL)
Family health insurance can be obtained through either a group health plan or an individual health plan. If you are in between jobs or unemployed, an individual plan may be best for you. In most other cases, a group health plan is the way to go. Group health plans have a variety of different types to choose from, namely HMOs, PPOs, POSs, and HSAs. To find out which one is best for you, you will need to read up a little more about each type and evaluate how much you can afford to spend.
If you cannot afford health insurance for your family, you may qualify for Medicaid or Kidcare, programs designed to aid Florida’s low-income families in getting proper health care.
Individual Health Care in Florida (FL)
As an individual, in general it should be much easier to find a plan that best suits your needs. You can go with a group or individual plan, and as long as you have no pre-existing conditions, it should not be too tricky. Group plans can be purchased as either HMOs, PPOs, POSs or HSAs. Individual coverage can provide the same quality coverage for you or your family as group, only at a higher price. Though it may be more expensive, certain instances, such as being unemployed or between jobs, are best suited with an individual plan.
Florida (FL) Health Insurance Carriers
One of the most grueling tasks in finding a new health care plan is researching all the carriers. But we did the work for you! Here is a list of carriers to choose from in Florida:
- American Medical Security
- Assurant Health
- Blue Cross Blue Shield
- Celtic Insurance Company
- CMA Alliance
- Continental General
- Frarm and Ranch Healthcare
- Golden Rule
- Kaiser Permanente
- Liberty National Life Insurance
- MEGA Life and Health
- Mutual Of Omaha
- National Association for the Self Employed
- Northwestern Mutual
- Time Insurance Company
- United American
- United HealthCare
- VISTA Healthplan
- Western Southern Life
Difficulties in Obtaining Health Insurance
Some individuals will not be able to obtain coverage under traditional health insurance companies, and will need to look elsewhere for insurance. Florida offers the option of “guaranteed issue” policies for individuals who are not eligible for coverage otherwise. These “guaranteed issue” policies are especially helpful if you have previously been covered under a group policy, or if you have moved into a Florida county that does not coincide with the insurance plan you have had in the past. This type of high-risk insurance policy may issue a rider for pre-existing health conditions, in which case you will have a waiting period before the policy will cover expenses associated with the condition. However, before you can qualify for a “guaranteed issue” policy, you must have exhausted all possibilities of being covered under The Federal Consolidated Omnibus Budget Reconciliation Act (COBRA), or under Florida’s statewide version of COBRA, known as Mini-COBRA. If you find you are not eligible for COBRA or Mini-COBRA, the “guarantee issue” policies will provide the coverage you need.