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Florida Health Insurance – Find Affordable Health Insurance in Florida

florida-health-insuranceIf you are looking for quality, affordable Florida health insurance, you have arrived at the right place! At Florida Insurance Now, we provide you a way to quickly and easily get comparison quotes from the top Florida health insurance companies in a matter of minutes.

Florida health insurance can be tricky and confusing. Let our specialty trained Florida health insurance agents give you a hand in finding the right coverage to meet you and your family’s needs for health care coverage in Florida.

We only partner with the top and best Florida health insurance companies, so you can be confident that you will have the best and most affordable coverage options for your health needs.

Once you have completed your comparisons, you can then do the same easy process for your Florida auto insurance, Florida homeowner’s insurance, and Florida Life insurance products.

Get started by clicking on the form above and enter your zip code. In just minutes, you will have comparisons of the top Florida health insurance companies at your fingertips. Get started now!

  • Don’t Give Up… On Getting Health Insurance This Winter in Florida

    As health insurance is mandatory, you should make use of the Obamacare to get the best protection. There are many options in front of you. You can settle for the best health insurance this winter after going through the comparison chart presented on a reputed review site. If facts are readily available, you can make an informed choice. If you qualify for tax credits, health insurance premium can be paid under the affordable care act. There are more options than ever before, and you can settle for the best insurance policy without any issues.

    Different kinds of plans

    There are different types of programs offered by various insurance carriers. If you go for a minimum insurance plan, there might be a financial catastrophe. Certain types of tests are not covered when you choose the minimum insurance. Silver and bronze are lower-tier insurance plans. Gold and platinum are higher-tier insurance plans. Higher plans will come with higher price tag. However, there will be significant financial security.

    There will be a similar level of cost even though you go to a private insurance carrier. However, you can choose individual riders so that the insurance premium will increase or decrease as per the selection. The choice of the insurance policy should be made based on your needs. If the monthly premium is high, there will be difficult to meet your family needs. On the other hand, if the premium is slight, there will be little benefits during claims.

    Affordable health insurance

    The health insurance that you buy should be affordable. If you are young and healthy, you can subscribe to the lower-tier insurance plan. The plan can be changed if there is a financial improvement. There will be broader coverage as well.

    You should enquire about the comprehensive insurance that you get from the insurance provider. There is a variety of plans for residents of Florida. A better plan can be purchased by cutting down your household expenses. The best plan will serve your needs as well as the needs of the family in a very efficient way. If you are a citizen of US and below 65 years of age, you should be covered under one or another health insurance plan. If there is no coverage, you might want to pay the penalty.

    You can check with a certified professional so that you can settle for the best insurance plan. While signing up for an insurance plan, you should go through the terms and conditions. To avoid future penalties, you should register for the scheme at the earliest.

    Online resources

    You can find the best insurance by making use of the official online portal, www.healthcare.gov. There are numerous Florida health insurance plans listed on the site. Before filing the information, you should be ready with SSN and other details so that the form can be filled very quickly. The income from various resources should be included so that you will get the best quote.

    Insurance plans from private carriers

    There are many people who would like to opt for insurance ... Read more..

  • How to Choose the Best Health Insurance in Florida?

    Best Health Insurance in Florida

    Best Health Insurance in FloridaIf you are ‘a US citizen and under the age of 65’, you should go for health insurance plan as per the Obamacare insurance plan. You should be aware of the provisions of the Affordable Care Act to find out your eligibility for the tax credit so that you will be able to pay for health insurance. Citizens who fail to purchase a plan should pay a fine. However, there are certain exemptions as well. If you would like to buy health insurance, you can go through healthcare.gov, which is Florida’s official portal to buy Obamacare.

    Buying health insurance

    To obtain health insurance on the official website, it will take at least 30 minutes of your time. The online form should be filled and submitted. You should provide social security numbers of all your family members.     The employer’s name & address, the most recent pay stub, and information about other kinds of income should be mentioned. The proceeds from alimony, pension, and other unemployment benefits should be mentioned.

    As there are very strict regulations, you will want to pay the same premium even though you purchase the plan through a broker or from an insurance company directly. There is no difference even though you acquire the program through phone or online or filling out standard forms.

    Tax break

    If you qualify for a tax break, the cost of monthly premium will be reduced as the subsidy can be used towards the same. You can also consider it as an annual tax credit. If you would like to take advantage of the tax credit, a health plan approved by the Government of Florida should be subscribed. There are insurance plans which are also known as Exchange Plans. Set of standards is established to eliminate the loopholes in utilizing the benefits. As per the new rules, insurers will not be able to deny coverage to people who are suffering from pre-existing medical conditions.

    Even though you do not qualify for the tax break, you can enroll in the Exchange Plan. There are many private health insurance plans in the market. To choose the best plan, you should go through the ratings awarded by independent companies. The rating will be in between 1 and 5. 5 stands for the most outstanding coverage while 1 means the least.

    The greatest difference between the government-approved health plan and the plan offered in the private market is the cost. If there is less network coverage, insurance companies can provide fewer benefits, thereby, the cost of insurance will come down.

    Health insurance quotes

    You can get Florida health insurance quotes from two or more reputed carriers in the market. When you get a quote, you can go through the features. These features can be compared with other websites. The comparison includes the price as well. With the infusion of immigrants and initiation of employers, there are many changes in health insurance spectrum.

    People can make best choices. The State is very much interested ... Read more..

  • The University of Florida and Health Insurance

    It’s always a good idea for students to make sure they have health insurance when they’re attending school. In fact, in many cases it’s mandatory. The new Affordable Care Act has benefited thousands of students already since children up to the age of 26 who don’t have employer-sponsored coverage are now allowed to stay on their parents’ health insurance plans. However, there are still thousands of students that don’t have health coverage.

    Recent U.S. Census Bureau surveys have shown that approximately 67 per cent of American students receive coverage from their parents’ plans while 20 per cent of them don’t have any insurance and six per cent are insured by public plans such as Medicaid. Many students are forced to drop out of school each year after becoming sick or suffering an injury and are then faced with medical bills that often run into thousands of dollars.

    According to a Government Accountability Office study, approximately 30 per cent of American colleges and universities require their students to have health insurance coverage before they can attend classes or even enrol in them. As mentioned, the most common type of student health insurance is to simply stay under the coverage of your parents’ health plan. This is the preferred type of insurance for many students since they can’t be turned down for pre-existing health conditions if you’re insured on their parents’ group plan. It’s also generally regarded as the best type of student health insurance available by most industry experts.

    But even if you have coverage under your parents’ insurance plan, you may not be able to access health care providers in their network if you’re attending school far from home. For example, if you live in Miami, Florida and are attending school in New York, you may find this to be the case if the school doctor sends you to see a specialist. In this instance, you’d likely have to pay a higher co-insurance fee and deductible.

    If you don’t have any type of student health insurance and are planning on attending school you’ll find that many colleges and universities will sponsor their own insurance plans. However, the premiums and amount of coverage could vary greatly from school to school and you may find you only receive limited benefits. School-sponsored plans are typically good at taking care of contagious diseases such as the flu and usually offer immunizations so the sickness doesn’t spread across their campus. But most of them don’t offer much in the way of coverage for major medical problems.

    Some of these student health insurance plans have a maximum coverage limit for certain health conditions and/or drug coverage. This means you could still be faced with big bills if you develop a serious illness. In addition, some of these plans could try to charge higher rates for students with pre-existing conditions or even exclude them. If you’re looking at enrolling in a school-sponsored health plan it’s recommended that you make sure you know exactly what’s ... Read more..

  • The Florida Group Health Insurance Market

    There’s no doubt that Florida group health insurance is one of the most affordable and beneficial ways for employees and group members to receive high-quality health care coverage. Many of the state’s employers and large organizations offer this type of insurance to their workers and members and will also pay a portion of the monthly premiums. In fact, if you’re lucky they may actually pay the whole shot while others will typically take care of a certain percentage. The group members usually pay their portion via payroll deductions.

    However, even if you end up paying the entire cost of the premiums yourself, you’ll find that Florida group health insurance is generally less expensive than most other types that are available, such as individual plans. Like just about every other form of health insurance, group plans can vary quite a bit when it comes to their cost and the type and amount of medical coverage that they provide. Most of the employer-based group plans will have a waiting period attached to them, which is usually about three months.

    This means you’ll have to be at your job for this period of time until you’re eligible for benefits. With a waiting period, it discourages people from starting a new job and then making a large claim right away. Business owners will find there are numerous Florida group health insurance plans to subscribe to. You’ll find that some of these policies will cover employees only while others may include coverage for their spouses and/or immediate family members.

    Another option is a health savings account (HSA) which can be combined with a high-deductible health plan. This allows group members to place pre-tax money into their accounts. It can then be withdrawn to pay for eligible medical expenses. Any money that’s not used is then rolled over to the next year. It will also generate interest while it’s in the HSA.

    When it comes to the cost of Florida group health insurance it will basically depend on the general health condition of the applicants. If the group as a whole is deemed to be a higher risk then the premiums will likely be higher. Also, the specific type of plan that is chosen and how much coverage it offers will also affect the cost. Most employers have found that by offering group health insurance they are able to attract quality employees and are able to retain their service.

    Since there are numerous Florida group health insurance options available and insurance providers that carry them, you may want to get some help from a licensed health insurance or broker when trying to decide on the best option. They will be able to request and gather quotes on the plans from several top Florida insurance carriers and you’ll be able to compare them side by side. This will enable you to select the plan that is the most beneficial to your unique situation and needs.

    Read more..
  • Short Term Health Insurance Plans from BCBSFL

    short_term_life_insurance_floridaOne of the most popular types of health insurance is temporary health insurance as it offers coverage to people for short periods of time while they’re in between jobs, waiting for other coverage to begin, newly retired, or a variety of other reasons. It’s ideal for relatively healthy people and is generally quite affordable when compared to other types of plans. Even though it’s short-term coverage, there are plenty of options to choose from. This includes basic coverage to more comprehensive insurance. However, you could be turned down for coverage if you have a pre-existing condition.

    Florida short term health insurance from bcbsfl is available and the Blue Cross Blue Shield options are generally quite popular. You’ll find that some companies refer to it as short-term insurance and some may call it temporary insurance. Most of the plans last anywhere from one to 12 months.

    One of the short-term health insurance plans from BCBS in Florida is known as BlueOptions Temporary Insurance. This health plan is aimed at those people who are just starting out, waiting for insurance to begin with a new employer, or are in between jobs. You can purchase this insurance in lengths of 30, 60, 90, and 180 months. It offers major medical benefits and it can be renewed for up to 180 days in each 12-month period.

    This specific BCBS health plan provides coverage for a wide range of physician and hospital services. You don’t need a referral to see a specialist and you can choose to visit any health care provider which is a member of the plans’ network, which is known as NetworkBlue. You can also visit health care providers outside of the network, but this will end up costing more to do so.

    There are several other benefits such as tiered options for the network’s hospitals which can save you more money and offer added predictability. Also, there’s a pharmacy program in place which offers discounts on brand name and generic prescription medications at all participating pharmacies. You can receive this short-term plan from BCBS without the need for medical underwriting. It’s also classified as creditable coverage for those who are waiting for long-term coverage,

    Other Florida short term health insurance from BCBSFL includes Blue Options Plan 61. With this policy, you can join the BlueRx Discounts Program. This will offer you discounted prices on generic and brand-name prescription drugs as well as non-preferred prescription medication purchases when showing the participating pharmacies your ID card. You can save on prescription drugs as well if you order them by mail with the PrimeMail plan.

    The out-of-pocket-expense maximums with this plan include coinsurance, CYD, co-payments and PAD. There is a $5,000,000 total lifetime maximum for each member of the plan. If you’d like more specific information on Florida short term health insurance from BCBSFL and other types of health care plans don’t hesitate to get in touch with us.

    Read more..
  • What are the best dental plans in Florida right now?

    It’s very important that Americans take care of their oral health because if it’s neglected it could lead to serious complications in their overall health condition. It’s especially important that children see a dentist on a regular basis to make sure their teeth and gums are in good condition. Without regular dental care a child’s mouth, gums, and teeth could easily cause them problems as they grow and could cost thousands of dollars to repair properly.

     

    When a child visits the dentist at an early age they will learn how to take care of and clean their teeth and gums properly. The American Dental Association (ADA) recommends that parents take their child to the dentist about six months after he or she gets their first tooth and at least by the time they reach their first birthday. With dental insurance in place, you’ll be able to make sure that your whole family receives the proper oral care when they need it and you’ll just be paying a fraction of the cost.

     

    There are plenty of Florida dental insurance plans to choose from and there are numerous health insurance companies that provide it. The plans will vary in the type and amount of coverage they offer as well as in their cost. It probably goes without saying that the more coverage you get the higher the monthly premiums will be. Basically dental insurance works a lot like medical insurance. You’ll be asked to pay a premium each month and in return you’ll receive certain types of benefits.

     

    Many of the Florida dental insurance plans will include services such as regular cleanings, checkups, and x-rays, as well as other procedures that are typically required to promote good oral health. You’ll find that some plans cover the basics when it comes to oral care while others are far more comprehensive. Some of the more costly dental plans may cover specific types of dental implants, orthodontia, and/or oral surgery.

     

    Like medical insurance plans, you’ll find there are managed-care and indemnity dental insurance policies available. In general, Florida dental insurance indemnity plans will provide consumers with a wider range of dental care providers when compared to managed-care plans. If you have an indemnity plan, it means the insurance company will pay for the dental services you’ve received after receiving the bill. With this type of dental insurance you’ll have to pay the dentist after receiving treatment and the insurance provider will then reimburse you.

     

    When it comes to managed-care Florida dental insurance plans, you’ll find most of them provide their members with a network of dental care providers. The dentists who belong to the network have agreed to look after the dental plan’s patients and offer their services at a reduced, pre-negotiated rate. Most network dentists will also handle the dental claims for their patients and send them into the insurance company. The insurer will then settle the bill with the dental professional. This form of insurance ... Read more..

  • Health Insurance Options for those with Pre-Existing Conditions

    One of the most controversial American health care topics concerns pre-existing conditions and health insurance. A pre-existing condition is basically a medical or health condition that somebody is suffering from when they apply for health insurance. Health insurance companies don’t like to provide people with a pre-existing condition with an insurance plan since they’re considered to be high-risk patients.

    Therefore, it’s seen to be in the insurer’s best interests if they deny coverage to these high-risk patients. However, they may provide the person with health coverage, but could impose a waiting period on them before the coverage starts. They may also charge higher out-of-pocket expenses and/or higher monthly premiums.

    Just about anything could be considered to be a pre-existing condition, such as asthma, heart disease, cancer, high blood pressure, and type 2 diabetes etc. These are generally chronic health problems which affect quite a large portion of Americans. However, some relatively minor health conditions can also be classified as pre-existing conditions, including previous injuries and things such as hay fever.

    There is good news on the horizon though for Americans as the new Affordable Care Act (ACA) will rectify this situation. Starting in 2014, insurance companies won’t be able to turn anybody down for health coverage due to a pre-existing condition. A similar law was already implemented in September of 2010 when it was ruled that children under the age of 19 can’t be denied coverage on their parents’ due to a pre-existing condition. Also, they can’t insure a child and then exclude treatments that are needed for a pre-existing condition.

    However, until 2014, adults can see find it difficult to find that pre-existing conditions and health insurance don’t always mix well. Some people may be provided with insurance, but insist on excluding coverage for the pre-existing condition for a certain period of time. Depending on state laws, this exclusion period could last for up to 18 months. This means that all claims related to the pre-existing condition, such as medications and doctor visits could be turned down.

    If you have an employer-sponsored health plan it’s possible that you could have an exclusion period for a pre-existing exclusion if you received treatment for it in the six months prior to joining the plan. Consumers are also protected by things such as HIPAA (Health Insurance Portability and Accountability Act). This states that some health plans can’t deny coverage or charge higher rates due to your health condition. It also usually enables people the right to renew their health policy regardless of their health condition. HIPAA doesn’t apply in every situation though.

    There is also something called creditable coverage which means you’ve been insured and the coverage hasn’t been interrupted for a time of 63 days or longer. If you’ve had creditable coverage then a new health plan cant’ place a pre-existing condition exclusion on you. This is important for people who are changing health plans for reasons such as changing jobs. ... Read more..

  • Who are the best FL Health Insurance Providers?

    There are numerous Fl health insurance providers to do business with and you’ll find that some of  them are more popular than others. This could be for various reasons such as customer services, variety of products, and cost. The best provider for you is the one that can take care of all your needs and offer you affordable premiums for high-quality health care coverage. All of the insurance companies offer a wide selection of health care services and products at various prices.

    These are among the most popular Fl health insurance providers: Aetna, Blue Cross and Blue Shield of Florida, Celtic Ins. Co., Cigna, Coventry Health Plan of Florida, Inc., Humana, and UnitedHealthOne. When it comes to dental insurance carriers the most highly rated include: Argus, Delta Dental Insurance Company, Humana, the Madison National Life Insurance Company, the Nationwide Life Insurance Company, the Security Life Insurance Company of America, United Concordia Dental, and UnitedHealthOne. If you’re interested in short-term insurance in Florida you may want to check out any of these: Assurant Health, the HCC Life Insurance Company, Health Insurance Innovations, the Standard Security Life Insurance Company, and UnitedHealthOne.

     

    Aetna:
    Aetna is headquartered in Hartford, Connecticut and the company deals in several types of insurance plans such as group life, pharmacy, disability insurance, dental, and employee benefits. The company has been in business for over 150 years now and is one of the most popular across the nation.

     

    Celtic Insurance Company:
    The Celtic Insurance Company has been in business for more than 30 years and offers health insurance to families and individuals across America. The business is backed by Centene Corporation, its parent company. The insurer offers vision benefits, comprehensive coverage, and large nationwide health care provider networks.

     

    Cigna:
    The Cigna insurance firm was launched back in 1982, bur the roots of the company stretch all the way back to the INA Corporation that was born in Philadelphia in 1792. Cigna started out as a property-casualty insurer  which dealt in employee benefits and life insurance. Over the years it has started to focus more on health care. Like all of the other Fl health insurance providers, it offers a wide variety of service and products. Cigna HealthCare is available in every state as well as Puerto Rico and the District of Columbia.

     

    Coventry Health Care of Florida:
    This business is a wholly-owned subsidiary of the national diversified health care company Coventry Health Care Inc. The local headquarters are located in Broward County and you’ll find several satellite offices located throughout Florida. The company provide Floridians with a wide variety of health products and plans such as individual, Medicaid, Medicare, consumer driven, and commercial.

     

    HumanaOne:
    HumanaOne offers a variety of high-deductible health plans and PPOs among other things. You can customize your health plan by adding on several types of extras, making sure you get the specific health care coverage that you require. HumanaOne is owned by Humana Inc. and ... Read more..

  • Temporary Health Care Coverage for Florida Residents

    Short-term health insurance is also known in America as temporary health insurance. As the name suggests, you can purchase these types of policies for a brief period of time. Many insurance companies offer plans that last from one to 12 months, but you may find some insurers who offer slightly longer options. Short-term health insurance is quite popular for people who need coverage for a few months while they are moving, changing jobs, entering the workforce from college, on strike from work or various other reasons.

    It’s usually an easier process to obtain short-term health insurance than traditional plans, but they still offer a decent amount of coverage at a more affordable price. The plans are generally designed to offer coverage for major illnesses and accidents, but you will also be able to find some that provide comprehensive coverage. However, the majority of short-term health insurance plans don’t cover services such as physicals, preventive care, vision and dental care and immunizations.

    Also, if you have one of these plans in place you won’t be eligible for Health Insurance Portability and Accountability Act (HIPAA) plans, which are guaranteed issue individual policies. The HIPAA health plans are often quite expensive and are more or less intended for people who have pre-existing health conditions and are finding it hard to purchase health insurance because of it. If you’d like to be eligible for an HIPAA plan, then you shouldn’t buy a short-term option.

    If you’d like to know what your rights are regarding HIPAA health plans and other types of insurance policies please feel free to get in touch with www.medicalinsuranceflorida.org. They will be able to give you up-to-date information on all matters regarding health insurance and the new Affordable Care Act (ACA).

    For example, most short-term health plans won’t cover people who have a pre-existing condition. These are generally conditions that have been treated in the previous three five years. Some people who are interested in short-term health insurance may also be eligible for COBRA coverage. This is available to people who lose their jobs. The program allows them to keep their employer-sponsored insurance for up to 18 months as long as they pay the premiums on it.

    But when it comes to premium costs, short-term insurance is quite inexpensive when compared to COBRA. However, most of the short-term options also come with a relatively high deductible which must be paid before the policy starts to pay its share of your medical bills. Some of the plans will provide full coverage after the deductible is reached while others will require you to pay a coinsurance fee.

    Also, most short-term plans won’t cover pregnancies, well medical visits, and several other routine health care procedures. Overall though, a short-term health plan is generally considered the ideal type of affordable health care insurance for certain situations. You’ll find that there are numerous types of plans on the market and ... Read more..

  • How to settle for the best health insurance in Florida?

    best health insurance in florida

    There are various kinds of health insurance plans which can be subscribed as per your needs. Even though you are insured by a plan offered by your employer, you should reassess your needs and best policy should be chosen. With the advent of immigrants and frequent visitors, new policies are invented by insurance companies. Special schemes are being devised by Government to tackle the needs of people suffering from HIV infection, refugee wellness and additional protection. You can get a free online quote from two or more insurance providers and it is possible to settle for the best plan.

    Prominence of health insurance

    The health insurance will cover the risk very efficiently. The small premium that you pay towards health insurance will let you make the most of your investment. There are people who cannot afford to pay monthly premiums as well. Even though you are young and healthy, it is very much important to consider the uncertainty and the risk should be covered properly. The bread-earning person in the family as well as dependants should be covered with an appropriate policy so that they will be able to live normal life in the event of risk.

    There will be great stability with Health Insurance Florida. The steps that you take to cover the minor catastrophe will have far reaching impact on your finances. The unfortunate accident that takes place on the road while driving might impact your earning potential. The hospitalization charged should be borne by you. This might be many times more than your monthly earnings. Hence, you should choose the policy very carefully. In some cases, it will take many years to recover from the health issue. Hence, there is great need to take an appropriate health insurance policy to fulfill your needs.

    Affordable insurance plans

    As per the recent Affordable Care Act which is also called as ObamaCare, everyone is required to subscribe to some kind of health insurance policy. There will be severe penalty while filing taxes if you do not subscribe to any kind of insurance plan. If you meet income and other qualifying parameters, you will be eligible for government subsidy. The newly created healthcare plans were subscribed by millions of people and many people were benefited.

    Florida has low levels of air pollution. The number of deaths associated with cancer and smoking are also less. The individual mandate took effect with the introduction of ACA Act. The uninsured rate in Florida has dropped by 15.2 percent. The insurance commissioner was unable to control insurance rates prior to 2016. However, they were challenged by the insurance commissioner in 2016.

    Medicaid expansion

    In order to minimize the number of uninsured people in Florida, Medicaid expansion took place. In fact, it is one of the main vehicles of ACA Act. In 2012, US Supreme Court gave a ruling which facilitates states to opt out of Medicaid expansion for singles aged between 19 and 64. There was a large gap because Florida decided not to expand the Medicaid.

    Benefits of health insurance

    There are number ... Read more..