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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.

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Florida Health Insurance for Individuals and Families

Best Health Insurance in Florida

Are you looking for the best health insurance in Florida? In your search, focus on two very important factors: affordability and coverage. Even though there is no one-size-fits-all Florida health insurance plan, there are certain considerations to think about as you compare and contrast plans. In the end, the best health insurance in Florida is an affordable plan that best meets your needs.

Benefits of Florida Health Insurance

Having health insurance in Florida is essential for anyone, no matter your age or situation in life. You never know when you will need coverage for a broken bone, heart attack or stroke because these and other ailments can happen at any time.

When choosing a plan, take into consideration the type of plan, the amount of coverage and the specific charges associated with each plan. Also consider the network of physicians and hospitals associated with the plan you ultimately choose.  Before signing a Florida health insurance application, be well informed.

Florida Health Insurance

Florida health insurance comes in two basic classes: individual and group plans. When possible, try to choose a Florida group health insurance plan over an individual plan. Typically, group insurance plans in Florida are more attractive than individual health insurance plans for the following reasons:

• Employers are generally required by Fl Statute to pay a minimum of 50% of the employee premium.  When you purchase an individual plan on your own you will pay the entire premium.

• Underwriting a group plan is generally for the entire group, not on specific individuals in the group.  In Florida group plans are guaranteed issue; individual plans are not.

• Employers or groups generally make available a variety of plans including traditional group indemnity, health maintenance organization (HMO), preferred provider organization (PPO) and point-of-service (POS). Generally, managed care plans are very affordable and have little to no co-pays or deductibles.

• Group health insurance plans typically provide greater coverage by offering fewer restrictions than those of individual plans.

Prepare for the Worst

Another important consideration is to prepare for the worst! This means choosing a comprehensive plan that provides sufficient coverage. That’s why you have to prepare for what is considered “catastrophic loss.” Would you be ready to pay a $50,000 medical bill? Having insurance can dramatically reduce or even eliminate the possibility of having to pay that or higher costs.

Read the Specifics

When searching for the best health insurance in Florida, be sure to hone in on the specifics of each policy – what are the monthly premiums, deductibles and co-pays? Do I receive an annual dollar amount in coverage? Are there any restrictions on pre-existing conditions?

Best Health Insurance Companies in Florida

Several top-rated health insurance companies in Florida include Blue Cross Blue Shield of Florida, Cigna, Humana, Aetna, United Healthcare, and Coventry.

For More Information

Before making any decisions on Florida health insurance, speak with an experienced agent at National Insurance Services of North America. We can help you find a plan that best meets your needs or those of your employees.