HealthQuoteInfo aims to be the one-stop-shop for anyone looking for Florida health insurance coverage.
Private Health Insurance Florida
For those who can afford it, one of the easiest ways to obtain adequate health insurance is to buy a policy from one of the reputable private carriers. You can find these plans quickly enough by using our search bar. Once you enter your zip code, you’ll then see a comprehensive list of affordable health insurance plans that are available for your area. These plans can be purchased from various reputable carriers like Cigna, Aetna, Humana, and Golden Rule. You can compare these plans with one another, and then pick the set of benefits that suit your needs and your budget.
Small Business Health Insurance Florida
Some people may find private health insurance somewhat expensive if they have to shoulder the premiums all by themselves. That’s why many workplaces offer health insurance benefits as part of their compensation package. If you obtain employer-sponsored health insurance through this method, you’re saved the trouble of having to decide which plan suits you best.
This is a much more affordable option because your employer pays for the bulk of the monthly premiums. Also, private carriers do not have the option of refusing to cover you because you have a preexisting medical condition. The health of the entire workforce is considered when the insurance company decides on the amount of the monthly premiums, and everyone pays the same amount for the same benefits.
The only time that your pre-existing medical condition may be excluded is if you neglected to have yourself properly covered for 63 days. In such a case, your preexisting medical condition will be excluded from the first year of the policy.
It is thus crucial that you don’t leave yourself without proper Florida health insurance for too long. Take note that new employees may also have to undergo a waiting period before the new health insurance policy takes effect for them.
To protect yourself, you may want to consider going through the COBRA program. This allows you to extend your health insurance policy from your previous job, though you will have to pay for the entire premium yourself. This extension can last for up to 18 months, which gives you enough time to find a new job and to go through the waiting period.
If you don’t have any previous health insurance policy you can extend, another option is to purchase a short-term policy. These plans can last just long enough so that they can cover the waiting period before the new plan comes into effect.
What about if you’re self-employed? If you work alone, you can get a sole proprietor plan if you apply within the open enrollment period during the year. In Florida, this period extends from April 1 to October 1. If you have your own small business that employs at least two employees (or you and another employee) fulltime, you can also apply for a small group plan at any time of the year. “Fulltime” in this case means working at least 25 hours a week.
Unlike in some other states, there is a minimum period for your company to be in business. However, to qualify you need proof that you’re earning taxable income. In both the small group and sole proprietor plans, employees can be enrolled even if they have preexisting medical conditions, although these conditions can lead to an increase in the monthly premiums.
Medicare, Medicaid, & Low Income Health Insurance Florida
Medicare in Florida is sponsored by the federal government, and it offers health insurance for senior citizens over the age of 65. It is also available for people with certain disabilities.
Medicaid is the program that provides health insurance for members of low-income families, and in Florida, it is run by the Agency for Health Care Administration. Most recipients of Florida Medicaid are enrolled in the Statewide Medicaid Managed Care program or SMMC. This is made up of the Long-Term Care program (LTC) and the Managed Medical Assistance program (MMA).
There are several key eligibility requirements for Florida Medicaid. As this program is meant for low-income families who do not have access to expensive private or even employer-sponsored Florida health insurance plans, there is an income ceiling that must be met.
Some people in Florida may be ineligible for both Medicare and Medicaid, for reasons such as that their income exceeds a certain limit. They may still find it difficult to afford to get health insurance through other means. If you’re a Florida resident who has not had any coverage for at least six months, you may be able to obtain health insurance through the Cover Florida program. You can be accepted even if you have a preexisting medical condition, though it’s possible that this condition may not be covered for the first year of the policy.
The state wants to guarantee that all children in the state have proper health insurance coverage, and Florida KidCare is how this is achieved. There are four different Florida KidCare programs, and when you apply your child is automatically matched to the most suitable program. This can be Medicaid, MediKids, Florida Healthy Kids, or the Children’s Medical Services Managed Care Plan.
Most families don’t have to pay anything at all to receive the benefits. Many pay only $15 to $20 a month, and this can cover for coverage for all the children in the household.
Florida also offers a high-risk pool for those who are unable to obtain proper health insurance due to a preexisting medical condition. The state also has a Florida Discount Drug Card Program for those without prescription drug coverage in their health plans.
Florida Open Enrollment 2019 & Florida Obamacare Insurance
The Florida Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Florida, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.