• Aetna
• Assurant
• Blue Cross and Blue Shield

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• Celtic
• Humana

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• American Pioneer Life

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• Blue Cross and Blue Shield
• PUP
• Pennsylvania Life
• SecureHorizons by UnitedHealthcare
• Unicare
• WellCare

Other Types of Supplemental Florida Health Insurance Plans

Long-term care insurance

Long-term care encompasses a wide range of medical, personal and social services. A person may need this care if they suffer from prolonged illnesses, disabilities or cognitive impairment. Private insurance companies offer individual or group long-term care insurance policies that provide benefits for a variety of services not covered by your regular health insurance, or by Medicare or Medicare supplement insurance.

Home health care policy

This type of policy covers services prescribed by a physician and from a Medicare-certified or state-licensed home health care service. The care must help with activities of daily living or the supervision or protection of a patient with cognitive impairment (such as Alzheimer's disease or senility). Some policies offering nursing home coverage automatically offer home health care as well. Some companies offer home health care as an option or rider to a long-term care policy. A few companies offer policies covering only home health care. You may obtain more information about policy options from your agent.

Nursing home care policy

This limited-benefit insurance policy offers an alternative for some people and covers either one level or several levels of care. In Florida, the levels of care include custodial, intermediate and skilled (defined in the Glossary). Cognitive impairment or the inability to perform one or more of the activities of daily living will activate the benefit.

You may obtain the free guide Long-Term Care and Other Options for Seniors by calling the Consumer Helpline toll-free at 1-877-MY-FL-CFO (1-877-693-5236), or by downloading it from the DFS Web site at www.MyFloridaCFO.com.

For definitions of deductible, coinsurance and copayment, see the Glossary in the back of this guide.

Health Savings Accounts

Health Savings Accounts (HSAs) are new tax-free savings plans that Floridians can take advantage of to pay for qualified medical expenses. This program allows consumers to deposit pre-tax dollars into their HSA up to the level of their deductible. HSAs must be used in conjunction with a high-deductible health plan. To qualify, the health plan must have a minimum deductible of $1,000 (up to $2,650) for an individual policy and $2,000 (up to $5,150) for a family policy. The insurance premium is paid for outside of the HSA. For a list of companies offering qualifying insurance policies, please call the Department or visit our Web site at www.MyFloridaCFO.com. For more information on HSAs, please visit www.ustreas.gov/ofices/public-affairs/hsa, or call the Internal Revenue Service at (202) 622-6080.