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Florida Health Insurance
Health insurance is important for very individual. This is irrespective of the age, gender or the economic status of the individual. This page provides you a birdís eye view of the various health insurance options in the state.
Health insurance and medical underwriting
Florida law enables you to get a 10 day free look period when you are opting for an individual health insurance policy. Additionally, the companies are allowed to engage in medical underwriting. This is basically the process by which the company decides whether you can be offered insurance based on certain conditions of your health. It also determines whether you have to go through a waiting period before your health conditions are covered. For individuals who do not have a creditable coverage under HIPAA, there is a 24 month imposition of an exclusionary condition.
Individual and family health insurance options in Florida
It has been established that around 5% of individuals in Florida currently have insurance. The premium you have to pay for an individual policy varies from plan to plan. It also varies with the deductible you have decided to pay. The higher the deductible you pay, the lower is the monthly premium you pay. The average premium you have to pay varies from $168 to $73. For family health insurance, expect to pay around $ 586 for a traditional family plan.
Small businesses, groups and health insurance
The rising costs in health care have forced some businesses to withdraw the provision of health insurance plans. For instance, only about 37% of the employers in Florida offered health insurance plans to the employees. Small groups had to pay an average of around $345 for a health plan while groups with around 11 to 25 members paid around $309 for a health plan.
Medical underwriting for groups in also allowed in the state of Florida. The rate varies between plus or minus 15% of the rate indexed depending on the health of the group. The carrier may look back 6 months in the medical status of the group and deny covers for a period of 12 months.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Florida. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Florida Medicaid plans
Medicaid plans are also offered in the state of Florida. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Florida also offers the KidCare program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Florida Health Insurance Carriers
Our service is the best way for you to secure the most suitable Florida health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Florida Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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