Florida Health Insurance (FL)
When you are searching for quality, affordable Florida health insurance, it is easy to become overwhelmed and confused by the myriad of companies and policies available. Given today’s economic climate, with healthcare costs skyrocketing and many people either losing their Florida health insurance coverage or having their benefits reduced, it is more important than ever for consumers to have a trusted place they can go to find dependable and competitive health insurance quotes from a variety of companies.
Thousands of people have relied on healthinsuranceusa.com to give them the information and guidance they need when making this important decision. Whether it is individual, family or group Florida health insurance that you seek, you can be assured that you will receive reliable quotes for the most affordable, comprehensive policy which is best suited to your specific needs and circumstances.
Group Florida health insurance is probably the most familiar type of plan known to consumers. This coverage is offered through an employer and the cost of the premium is divided between the company and its employees, with the employee usually paying about 16-27% of the premium cost. Typically, this amount is automatically deducted from the employee’s paycheck each pay period. The benefit of group coverage is that the premium cost is determined by the overall healthiness of the entire group, not just the individual. However, usually the company chooses the benefit package and the individual employee has no say in this decision.
Unfortunately, due to rising Florida health insurance costs, many companies are cutting back on their health insurance coverage for employees, or worse, doing away with it altogether. So many Floridians find themselves either needing individual coverage (which is frequently more expensive than group) or perhaps supplemental coverage, if their employee benefits have been reduced. Remember, also, if you change jobs, your new company policy may require a waiting period before you are eligible for Florida health insurance coverage.
You may want to consider a short-term policy which will provide coverage from the time you leave your previous job until the benefits with your new company go into effect. It is extremely important to not have a lapse of more than 63 days in your Florida health insurance coverage. If you allow this to happen, your new company’s provider can deny coverage to you for any pre-existing conditions (such as acne or asthma) for as long as one year after your policy goes into effect. Therefore, it is vital to keep continuous health insurance coverage when you are changing jobs.
With unemployment the highest it has been in decades, many people are finding themselves in-between jobs. Unfortunately, the loss of a job usually means the loss of Florida health insurance coverage, also. If you find yourself in this situation, you should check to see if you can extend the health insurance coverage which you had through your employer with COBRA (a program which is provided through the Federal government).
Not all companies offer COBRA benefits and many that do charge an exorbitant premium amount for a low-quality policy. So it is wise to investigate your options. It is important to remember that anyone who individually applies for Florida health insurance is medically underwritten, which means that you can be approved or denied (or rated at a higher risk) by the insurance provider, depending on your medical history (past and present).
There are some very important Florida health insurance programs available to consumers. One is Medicaid, which works much like regular Florida health insurance. If you meet the eligibility requirements, you will receive a Medicaid card and can present it at your physician’s office. If the doctor participates in Medicaid, the state of Florida will pay your medical bill minus any other insurance coverage you might have. For further information, visit: http://mymedicaid-florida.com/
Also, there is the Florida Healthy Kids Program. It was created to provide access to Florida health insurance for the state’s uninsured children. Funds are raised by collecting local, state, federal and family money, which is then used to pay the premium cost. Preventative care, immunizations, and even major surgery are covered through this program. For additional information, go to www.healthykids.org.
Another important Florida health insurance program offered is Cover Florida. This plan provides coverage to those people, aged 19-64, who have had no Florida insurance coverage for at least six months and are not eligible for Medicaid or Medicare. Those consumers with pre-existing conditions cannot be denied coverage through Cover Florida although payment for treatment of this specific condition may be excluded for one year. Visit http://www.coverfloridahealthcare.com/ for more information.
Lastly, there is the Florida Discount Drug Card Program. This is simply a program designed to lower the cost of prescription drugs. To find out the requirements, visit: http://www.floridadiscountdrugcard.com/
Choosing Florida health insurance shouldn’t be a complicated and stressful process. When you are ready to make your choice, let the knowledgeable people at healthinsuranceusa.com assist you in making this important decision. You can be confident of getting a policy which is perfectly suited to your needs and circumstances!
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