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Florida Health Insurance Company

While many people have the luxury of being provided with a Florida health insurance company through their employer, others must navigate the complexities of individual or family plans on their own. Finding a health insurance company in FL can prove to be a complex search.

However, the free search tools found at the top of the page and this article will assist in your search for finding an affordable and top notch Florida health insurance company.

Enter your zip code into the search tool at the top of the page to compare multiple rate quotes from top Florida health insurance companies side by side!

Florida Health Insurance Company Basics

Before we get ahead of ourselves, let’s start with the basics of Florida health insurance. Many people find themselves searching for Florida health insurance once they are retired, between jobs, a recent college graduate, waiting for employer benefits to kick in, self-employed, or moving. If you find yourself in one of these situations or just another of the millions uninsured for other reasons, it is beneficial to understand the basics of Florida health insurance before moving forward to purchase.

There are two types of coverage available: traditional coverage and managed care. Let’s start with the first type, or traditional coverage, and those are as follows:

  • Basic Medical Insurance:  this will cover medical, hospital and surgery benefits if necessary. This is typically based off what is “usually charged” for the type of medical attention necessary. With this bare bones insurance, it is always a good idea to make sure that this will cover what you need by comparing to more extensive policies.
  • Major Medical Insurance:  this type of policy covers more major procedures, such as high cost hospitalization or other ongoing illnesses. This is a more extensive policy than basic and will thus cost more in premium.

The next type of coverage is what most of us are most accustomed to, which is managed care.  Those include the following:

  • Health Maintenance Organization (HMO): members to this will pay a set amount each month, but will have specific access to a range of doctors and hospitals only by referral.  The participating members will then pay a set copayment for each visit. Often times this will be cheaper but require you to choose from a smaller amount of providers.
  • Preferred Provider Organizations (PPO): in this organization, insurers contract with certain providers to lower the cost of services and to speed up payments. For members, this means that you will pay a lower copayment for providers within your network of providers and higher payments for providers outside your network.
  • Point Of Service Plans (POS): this type of insurance combines regulations from both HMOs and PPOs.  As a member of this service, you have the option to choose if you will receive care within your providers or outside your providers. If outside your provider you will most certainly pay higher coinsurance rates of your medical care.
  • Exclusive Provider Organizations (EPO): as a member to this organization, it is required that you only use exclusive providers to have covered medical attention.

Are you still unsure whether you should choose basic medical insurance or major medical insurance? Are you somewhat confused as to whether you should pick an HMO, PPO, or something else?

In a nutshell, many Florida residents are gravitating towards PPO plans because of the flexibility that they have in being able to choose any Doctor that they prefer. Also, you will almost always be better off choosing a full comprehensive major medical health insurance plan from a reputable Florida health insurance company. Stay away from the discount plans and indemnity plans that only offer limited benefits.

Florida Health Insurance Company Specifics

First and foremost, before purchasing health insurance in Florida, make sure that the provider is an authorized insurer in Florida by checking with the Florida Department of Financial Services.

Another thing to consider is that in Florida you have a window of 10 days once a health insurance plan is purchased to confirm this is the right one for you (called the “free look” period).

Once that is confirmed, make sure that you have used our free search tools to guarantee you are getting the best price for your coverage!

Health Insurance Companies In Florida

Here is a list of some of the various insurance companies offering health insurance coverage in Florida:

  1. Golden Rule / United Healthcare
  2. Humana One
  3. Aetna
  4. Blue Cross Blue Shield of Florida (BCBS of FL)
  5. Assurant / Time / John Alden / Fortis
  6. Continental General Insurance (CGI)
  7. United American
  8. Vista Healthplan of South Florida
  9. Celtic Insurance Company
  10. Mega Life / Midwest National / UICI / HealthMarkets

Ways That Florida Health Insurance Companies Determine Rates

Before you can understand how to save money on FL health insurance, here are some basic reasons that your health insurance rates could increase:

  • Age
  • Lifestyle Habits (are you a smoker?)
  • Gender
  • Geographic Area 
  • More Extensive Coverage
  • Pre-Existing Conditions 

Keep in mind that individual health insurance in Florida will be about half the cost of a comparable group health insurance plan. The only catch is that you must be somewhat healthy to qualify for Florida individual health insurance – unless you are eligible for a guaranteed issue Florida HIPAA health insurance plan.

Florida Health Insurance Company Savings

Here are 3 simple tips to help you save money and find the best Florida health insurance company:

  • Choose A Higher Deductible. Health insurance follow the same concept as auto or homeowners insurance – the higher your deductible, the lower your premium.
  • Stay Healthy. Sounds so simple doesn’t it? But it proves true!  If you look at what affects a health insurance policy, by quitting smoking you will reduce your health insurance premium by hundreds.
  • Find A Policy With A Prescription Deductible. This will lower your insurance more than you can imagine!

Research A Florida Health Insurance Company Now!

Start searching for Florida health insurance now by using our free tools at the top of the page.

Save money by comparing Florida health insurance companies today!

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