We Can Help With Health Insurance Florida

We are licensed in over 30 states and understand the ins and outs of health insurance in each state we serve. You can count on Health that Cares to provide a wide range of reliable insurance plans for you to choose from. Our clients appreciate the personal attention and cost savings they get by trusting our advisors. Here is what they are saying.

Reece was very knowledgeable and was able to explain how each plan was different from each other. He genuinely cares about helping people and finding what fits the best. I travel often and had no idea I needed a PPO but he did and explained why it is important.

Rhrys was AMAZING ! A GREAT HELP! And answered all my questions. I would recommend him to anyone I know in need of insurance . He was very professional and has a great sense of Humor!

At Health that Cares, we focus on people before profits! Protect your health and get insured today.

Free consultation and comparison of all health coverage options are available. We explain how insurance works and guide you through what best fits your needs.

Florida Dental And Vision Plans

Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.4 They offer coverage for the dental and vision services many medical insurance plans dont include.

From Miami to Orlando, Tampa to Jacksonville, explore these Florida health insurance options and more that may be available now.

Health Coverage For People With Disabilities

If you have a disability, you have three options for health coverage through the government.

• Medicaid provides free or low-cost medical benefits to people with disabilities. Learn about eligibility and how to apply.

• Medicare provides medical health insurance to people under 65 with certain disabilities and any age with end-stage renal disease . Learn about eligibility, how to apply and coverage.

• Affordable Care Act Marketplace offers options to people who have a disability, dont qualify for disability benefits, and need health coverage. Learn about the .

Recommended Reading: When Is Open Season For Health Insurance

Get Preapproved For Insurance

Once you have a solid idea of what type of plan you want, its time to get preapproved for insurance. This is the first step in the insurance selection process, and its essential to getting the coverage you want. You dont want to be rejected based on your current health insurance coverage when you apply for your first policy. You also dont want to miss the boat on getting coverage because you were sick last year and were too exhausted to fill out the application. Get preapproved so you know you have a good chance of being approved.

The Importance Of Health Insurance

There are a number of reasons why health insurance is important. First, it helps to protect your finances in the event of an unexpected illness or injury. If you have to pay for medical care out of pocket, it can quickly become expensive, and if you are unable to work while you recover, it can put a strain on your finances. Second, health insurance can help you get the care you need. If you have a chronic condition or need preventive care, Having insurance can help make sure you get the care you need to stay healthy. Third, health insurance can give you peace of mind. Knowing that you have coverage if something happens can help reduce stress and give you one less thing to worry about.

There are a number of ways to get affordable health insurance in Florida. If you are employed, your employer may offer health insurance as part of your benefits package. If you are not employed, or if your employer does not offer health insurance, there are still options available to you. The first is to see if you qualify for any government assistance programs. This includes programs like Medicaid and the Childrens Health Insurance Program . If you do not qualify for government assistance, there are still a number of private options available. You can shop around for individual plans or look into group plans offered by associations or other organizations. You can also check with your family and friends to see if they know of any good options.

Read Also: What Is Cost Sharing In Health Insurance

Look Into Different Plans

Rather than choosing the first plan that comes along, look into different plans. Get quotes from different providers to find out what sort of coverage you might be able to get. If youre unsure which plan will fit your needs best, ask a few friends or family members who have health insurance coverage. You can also look online to find options. Be aware that some insurers only cover you if you purchase a specific type of coverage or have a specific type of medical condition.

What Types Of Alternative Health Insurance Plans Are Available In Florida

The most popular form of cost-sharing plans are faith-based plans. In a faith-based plan, members share health care costs with other members. You dont need to be a member of a particular denomination , to participate in a plan. While these plans can be relatively low-cost, most faith-based plans dont conform to ACA standards and dont cover pre-existing conditions, mental health care, or pregnancy.

Don’t Miss: What Is The Average Cost Of Health Insurance In Arizona

Can You Buy Health Insurance Without A Job

The good news is you can get health insurance without a job. While group health insurance is not an option for those without an employer, you can still qualify for individual or family plans. Individual health insurance offers all the same coverage options as you may find from employer-sponsored plans.

Applied Behavior Analysis Medical Necessity Guide

The Applied Behavior Analysis Medical Necessity Guide helps determine appropriate levels and types of care for patients in need of evaluation and treatment for behavioral health conditions. The ABA Medical Necessity Guide does not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any matters related to their coverage or condition with their treating provider.

Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member’s benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply.

The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered for a particular member. The member’s benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary.

Please note also that the ABA Medical Necessity Guide may be updated and are, therefore, subject to change.

Read Also: Can I Get Birth Control Without Health Insurance

Hospital & Doctor Insurance

Health ProtectorGuard fixed indemnity insurance,5 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

• No deductibles or copays to pay first
• Benefits paid regardless of other insurance
• Money to pay costs not covered by major medical plans, like a deductible

Best Health Insurance For Self

ambetter.sunshinehealth.com

Date Submitted: 03/12/2020 06:39 AM

Average star voting: 5

Summary: Self-employed individuals need an alternative to employer-sponsored health insurance. We reviewed availability, reputation, and more to find the best options.

Match with the search results: Searching for affordable health insurance in Florida? Ambetter from Sunshine Health offers quality coverage for any budget. Learn more and enroll today!. read more

Also Check: How To Buy Your Own Health Insurance

Florida Health Insurance Plans And Coverage

www.moneygeek.com

Date Submitted: 11/10/2019 07:52 PM

Average star voting: 5

Summary: Shop and compare health insurance plans for individuals and families offered by Cigna in Florida. Affordable coverage, access to high-quality providers.

Match with the search results: Of the various plans, Silver ones provide the best balance between premium prices and coverage. You can purchase one for $571 per month on . read more

What Are Florida’s Medicare Options For Seniors And People With Disabilities

Florida has several Medicare options available to older adults and people with disabilities:

• The most basic option is Original Medicare, which consists of Part A and Part B . Original Medicare doesnt cover prescriptions, but supplemental plans are available to help reduce your out-of-pocket expenses. These supplemental prescription plans are known as Medicare Part D.
• Florida also has the Medicare Advantage program, which gives eligible residents access to various Medicare plans sold by private insurers. Many of these plans include prescription coverage and may also cover things like gym memberships and transportation to medical appointments, giving you more coverage than Original Medicare.

Eligibility

To enroll in Original Medicare or Medicare Advantage, you must meet certaineligibility requirements. First, you must be a United States.S. citizen or permanent resident. You must also be at least 65 years old or have a disability that causes you to receive Social Security Disability Insurance benefits for at least 24 months. You may also qualify for Medicare at a younger age if you have end-stage renal disease .

Enrollment

If you start receiving your Social Security or Railroad Retirement Board benefits at least four months before you turn 65, youll be automatically enrolled in Medicare. Otherwise, you must fill out an application online or contact your local Social Security office. You can enroll in Medicare during the following periods:

Medicare Resources

Don’t Miss: Do You Need Health Insurance In Wisconsin

Health Insurance Companies In Florida

You have access to 2022 individual and family health insurance from 14 companies that sell plans both on and off the exchange. You can also buy these plans if youre a self-employed entrepreneur with no employees.

For the 2022 plan year, four new insurers are entering Florida:9

• Capital Health Plan
• Coventry Health Plan of Florida
• Sunshine State Health Plan

Health Insurance In Florida: A Quick Consumer’s Guide

www.valuepenguin.com

Date Submitted: 02/15/2020 03:45 PM

Average star voting: 3

Summary: Find out what you need to know before you buy health insurance in Florida. HealthMarkets makes finding the right plan easy with FitScore®.

Match with the search results: Cheapest health insurance plan by county Citrus, BlueSelect Silver 1443 , $486 Clay, Constant Care . read more

Recommended Reading: How To Get An Inhaler Without Health Insurance

Best Overall: Blue Cross Blue Shield

Blue Cross Blue Shield

With a history of customer satisfaction and nationwide availability, Blue Cross Blue Shield is our top overall choice for a healthcare plan for the self-employed.

• Data-driven to improve quality and affordability

• Member experience may vary by region

• Bad customer reviews in some states

Blue Cross Blue Shield is an association of 34 independent Blue Cross Blue Shield companies across the United States. Since 1929, the association has established a strong reputation, and most of its companies have high AM Best ratings, earning BCBS our top spot. The companies have scored 2.5 to 4.5 on a scale of 1 to 5 from the National Committee for Quality Assurance . Blue Cross Blue Shield companies also earned high rankings in many regions in the J.D. Power 2021 U.S. Commercial Member Health Plan Study.

Blue Cross Blue Shield offers coverage to 114.5 million members in all 50 states, Washington, D.C., and Puerto Rico. The companies have an expansive network including 96% of the countrys hospitals and 93% of doctors and specialists. Expats may also have health coverage through the companys global network. Depending on the state, Blue Cross Blue Shield companies may offer a variety of products. You may also have access to health and wellness discounts like gym memberships and fitness products through Blue365.

The Cheapest Florida Health Insurance For Individuals And Families

www.uhc.com

Date Submitted: 04/10/2021 09:01 PM

Average star voting: 5

Summary: Find the cheapest health insurance in Florida depending on your age and coverage level and learn about the best way to find health insurance where you live.

Match with the search results: UnitedHealthcare Individual and Family Marketplace plans offer affordable, reliable coverage options from UnitedHealthcare of Florida, Inc. As part of the . read more

Don’t Miss: Does Health Insurance Cover Chiropractic

What To Know About Health Insurance In Florida

• You can buy a marketplace health insurance plan if you dont have employer-sponsored coverage or your employers coverage doesnt meet your needs.
• Open enrollment: The open enrollment period for health insurance coverage starting in 2022 in Floridas runs November 1, 2021 through January 15, 2022. If you miss open enrollment, you cant buy a marketplace plan until the next year unless you qualify for a special enrollment period.
• Special enrollment: A special enrollment period allows you to sign up for health coverage outside of open enrollment. You may qualify for special enrollment if you have a qualifying life event that caused you to lose coveragefor example, moving into a different zip code, losing your job, getting married, or having a child. You have 60 days from the time of the event to select a new plan.
• Health Insurance Marketplace: Florida uses the federal Health Insurance Marketplace. If youre interested in getting an Advanced Premium Tax Credit to help cover your costs, its best to use the exchange to purchase a plan.
• Premium tax credit: You can purchase coverage directly from one of Floridas health insurance companies if you dont qualify for an Advanced Premium Tax Credit or dont want to take the credit.
• Coverage types: Slightly more than 40% of Florida residents have employer-sponsored health coverage. Another 17.4% have Medicaid, 18% Medicare, and 9.5% non-group health plans. Approximately 13% of Florida residents have no health coverage.

Coverage For Florida Children

Florida children from birth through the end of age 18 are eligible for coverage. It is free to apply and with year-round enrollment, the time to apply is always now. Begin your familys application by clicking the pink Apply Now button. Then Florida KidCare does the rest. Based on the age of the child, household size, and family income, we automatically match each child with their best fit of the four Florida KidCare programs Medicaid, MediKids, Florida Healthy Kids, or the Childrens Medical Services Health Plan. Its that easy!

Also Check: A Health Insurance Policy Will Typically Cover

Best For Underserved Groups: Molina Healthcare

Molina Healthcare

• No. Policy Types: Varies by state
• No. States Available: 19

With an emphasis on serving individuals receiving government assistance, Molina Healthcare is our top choice for a healthcare company for underserved groups.

• New program to improve healthcare access

• Not available in all states

• History of regulatory issues including fines for not handling grievances

• Lower financial strength ratings

Molina Healthcare is a health insurance company focused on those receiving government assistance. Founded in 1980, the company’s individual state enterprises have separate ratings from AM Best. The ratings tend to be lower than those of other insurers featured here indicating some financial instability.

Molina Healthcare has had some regulatory issues including fines for enrollee complaints in California and administrative issues in Texas. But the company has been making efforts to improve its reputation.

Molina Healthcare has 4.6 million members. The company offers Medicaid and Medicare plans in Arizona, California, Florida, Idaho, Illinois, Kentucky, Massachusetts, Michigan, Mississippi, Ohio, New Mexico, New York, South Carolina, Texas, Utah, Virginia, Washington, and Wisconsin. Medicaid covers a broad range of services and access to care is generally comparable to private coverage.

You may get quotes or apply through Molina Healthcares website, or by calling their support team. You may also apply through your states healthcare exchange or Healthcare.gov.

Children’s Medical Services Health Plan

Childrens Medical Services Health Plan, operated by Sunshine Health on behalf of the Florida Department of Health, provides managed care services to children who have special healthcare needs that require extensive preventive and ongoing care. There are two versions of the CMS Health Plan – Medicaid Children’s Medical Services Health Plan and KidCare Children’s Medical Services Health Plan. Benefits and services depend on which health plan your child is enrolled in.

Also Check: Will Health Insurance Go Down

The Cheapest Health Insurance In Florida By Age And Metal Tier

Insurance providers factor in several things when setting premiums. The buyers age impacts the cost of health insurance in Florida. A Silver plan for someone in their 60s is nearly three times more expensive than a similar plan for a buyer in their 20s.

A 60-year-old buyer purchasing an HMO Silver plan has a premium of $1,212 per month on average. In comparison, a 26-year-old can buy a policy from the same metal tier for only $457 per month.

Health Insurance Costs in Florida by Age and Metal Tier

Monthly premiums change according to your age, meaning the older you are, the more expensive the cost of health insurance in Florida becomes. Buying a low-cost plan like Bronze or Expanded Bronze may seem like the most affordable option, but youll have to pay more out of pocket if you have more medical needs.

The rates shown are based on sample buyer ages and dont consider the unique combination of your exact age and income. Sometimes, older people can find cheaper plans in the insurance exchange because of regulations or tax premiums. The only way to get an accurate quote is to apply for a health plan.

The table allows you to switch between metal tiers and buyer ages. MoneyGeeks detailed guide on health insurance in Florida can help you decide from which metal tier you want to purchase.

Cheapest Health Insurance in Florida by Age And Metal Tier

Sort by Metal Tier: