Affordable Health Insurance Plans in Miami, FL

It may seem like everyone’s fit and healthy in Miami, but residents here still need proper health insurance. At HealthQuoteInfo we can help you find more than 90 health insurance plans so that you can pick one that fits your needs. These plans come from carriers like United Health One, Aetna, Humana, Cigna, and Assurant, and they can offer coverage for workers in a small business, for members of a family, and for individuals.

To find the plan that matches your needs, you can start by using our search bar. Enter your zip code, and you will then see the available health insurance plans that you can get to your location. Check out each plan to see the details so you can find out which one is best for you.

On the other hand, you may realize that your best option may be coming from the state of Florida because many consider private health insurance as somewhat expensive. The state’s health insurance plans and related programs can alleviate the cost of medical care for you without costing you too much, in terms of enrollment fees and monthly premiums.

One example of this is the Cover Florida program, which is designed for adults from ages 19 to 64. If they have been without any health insurance coverage for a minimum of 6 months, and they’re not even eligible for coverage under Medicare or Medicaid, then this can be the program for them. Even the 6-month “no health insurance” rule can have exceptions. This offers coverage even for those who have a preexisting condition, though the treatments for some of these conditions may not be covered for the first year. They will be covered in the plans the second year.

Another option for the uninsurable with preexisting conditions is the high-risk pool alternative offered by the state. Contact us, and we can help you find out if you’re also eligible for this program.

Children may also fail to get the medical services they need because they lack the health insurance to cover the costs, so the state has stepped up by offering the Florida Healthy Kids program as a more viable alternative for lower-income families. These families can wind up paying a much smaller amount for premiums even while the coverage includes medical services from preventive services to even major surgeries.

In some cases, health insurance plans may not offer adequate coverage for expensive prescription medication. Florida offers the solution to this problem by setting up their Discount Drug Card program. These are for people who do not have adequate prescription coverage.

Please don’t forget about Medicare as well. You can contact us if you have questions about Medicare in Florida and we can clarify an issue for you.