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Health Savings Account (HSA) Accounts

Save thousands of dollars each year on your total healthcare expenditures. Compare side by side rates from Americas top rated companies

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Temporary Health Insurance in Florida

If you are waiting for group coverage with your employer, or between jobs and need a good alternative to COBRA, then Florida temporary health insurance may be an affordable solution for you.

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Discount Dental Plans, Starting At $79.95 per year.

More than 20,000 participating Dentists nationwide. To get an additional 3 months free.

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Florida Health Insurance Comparisons

Florida health insurance quotes are easy to find. Just type the phrase "Florida health insurance quotes" into any search engine and you’ll be presented with thousands of websites offering just as many instant health insurance quotes in Florida.  However, sorting through these plans can be a daunting task. Whether you're searching for the best health insurance plans in central Florida or just searching for a plan that covers catastrophic care our dedicated advisors can help assist you in finding the plans that works best for you.

In your search for health insurance you'll be faced with many hurdles. The health insurance market is very competitive, forcing companies to try and design more affordable health insurance plans. This sometimes means sacrificing quality for affordability. Of course, the competitive market also leaves room for plenty of companies that are less than reputable, creating a situation where people need to be very careful about the insurance products that they are purchasing.

One of the first steps in finding affordable Florida health insurance is to call and speak with one of our advisors. We will provide you with references that you are welcome to call.

Our pledge:

We will present all health insurance options in a totally unbiased way. We will address your concerns, and answer all your questions. We will never pressure you into buying anything and finally, we will never sell or provide your information to anyone, "period."

Finding health insurance for individuals and families should start with a plan.  Take the time to make some notes starting with your budget. Find out where the health insurance premium fits into your budget. This may mean forgoing visiting Disney this year but it might be worth the effort.  Setting the budget before you start the search is the best way to ensure that the policies you are considering will fit into your lifestyle in a real way.  There is no point in committing to a policy that you can’t afford to pay. 

There are two basic categories of health insurance in Florida, and they include Florida health insurance for individuals and families, and Florida group health insurance.

Florida Health Insurance for Individuals and Families

This type of health insurance in Florida is fully underwritten. This means that you will be required to provide a full medical history. This will include height and weight, information as to any medical conditions that you are currently being treated for or have been treated for in the past.  Questions will also be asked regarding prescriptions that you are currently taking or have taken in the past. This and other information will be used to make a final determination as to whether the insurance company will accept, rider, or reject your application for health insurance.

The Patient Protection and Affordable Care Act (PPACA), In January of 2014 Insurance companies will no longer be able to deny coverage to individuals and families and will no longer be able to impose limitations for pre-existing conditions.

If you have questions, call and speak to one of our advisors at 888-564-7662. If you would like to obtain a free no obligation quote click Florida Health Insurance Quote.

Florida Group Health Insurance

Under Florida Statute, group health insurance for small business in Florida is defined as any employer that employs between 1 and 50 employees. Benefits under group health insurance plans in Florida are similar to benefits under an individual health insurance plan with some minor but very important exceptions.

Some of these exceptions include

• Guaranteed Issue Health Insurance: Any employer that has between 1 and 50 employees and applies for a Florida group health insurance plan cannot be turned down for any reason related to pre-existing conditions. Insurance companies are permitted to ask general gatekeeper type health questions, but can only use the information obtained in determining the final rates. They are permitted to increase or decrease the standard rate by 15 percent.
• Mandated Benefits: Group health insurance policies in Florida are required by law to include certain types of benefits including maternity, and mental illness.
• Pre-Existing Conditions: Conditions that are considered pre-existing are covered under Florida group health insurance provided certain conditions are met. If an employee has had continuous qualifying coverage for 12 months without a gap of 63 days or more than pre-existing conditions would be fully covered. If continuous coverage is less than 12 months than credit is given for the total number of months the person was covered then subtracted from 12 months. The remaining number of months would apply to any pre existing condition. A pre-existing condition is defined as any condition regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received within the 6-month period ending on the enrollment date. In the state of Florida maternity is not considered a pre-existing condition.

Different types of Florida Health Insurance

• PPO: Preferred Provider Organizations
• POS:  Point of Service
• HMO:  Health Maintenance Organizations
• Traditional:  Fee for Service

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Choosing the right Florida Group Health Insurance Plan is an important decision, but it often can be complicated. As with any other major purchase, it is important that you understand your needs and the options available to you. Let our professional insurance advisors help. If you have questions call and speak to one of our advisors at 888-564-7662.  If you would like to obtain a free no obligations quote click Florida Group Health Insurance Quote. 

Call us today at 888-564-7662