Florida Health InsuranceIndividuals and Families
Florida Health Insurance
How to find an affordable plan.
In Florida, choosing the right health insurance plan can be a difficult and costly decision. So much so, that in 2010, over 20% of Florida residents went uninsured. While almost 8 million individuals were covered under their employer's health plan, about 1 million resorted to purchasing an individual or family plan on their own. If you are one of the 4 million uninsured Floridians looking for health insurance, or 1 million individually insured looking for a new plan, you have come to right place. Finding cheap health insurance in Florida shouldn't have to be a difficult task. Understanding your options and the differences between types of plans is a great first step. Nobody intends to get sick or suffer an unexpected injury, but if you do, having the right health insurance plan will give you the peace of mind. Not only can health insurance help you cure the common cold or fix the broken arm, but it also protects your finances by paying for expensive and rising medical costs. Below you will find helpful information so you can select the policy that best fits your needs.
Leading Florida Health Insurance Companies
Florida Health Insurance Quotes Online
Health Insurance Online is a great place to find affordable Florida health insurance quotes. Simply complete our request form and you will receive free, no obligation health insurance quotes from many of the leading providers in Florida mentioned above. In Florida there are also many state run programs to help you get temporary coverage due to loss of jobs or low income. However if you do not meet the criteria for those programs it is in your best interest to seek out the most affordable health insurance policy available that still meets all of your family's needs.
Choosing the Right Health Insurance Plan
Now that you've made that crucial first step by coming to Health Insurance Online, your next decision is whether to choose between a traditional health insurance plan or managed care. Traditional health insurance lets you select the doctor and/or hospital that you prefer. You often have to pay for services up front, but then get reimbursed by the insurance company. Or the doctor's office will submit the claim to the insurance company for you and all you are responsible for is the co-pay. Managed care programs often limit your choice of doctors and hospitals, but can work out great if your preferred doctor and/or hospital is already part of the network. Costs in a managed care network are typically less than those in traditional insurance plans, therefore you are responsible for less contributions up front.
Often times these two types of coverage are broken down into three letter abbreviations for the various plan types. Some of the most common three letter combinations are HMO, PPO, and POS. The first two, HMO and PPO are the most commonly confused. HMOs require you select a physician and a hospital as your primary care givers. It is restrictive but usually cheaper than other forms of insurance. PPOs allow you to pick any physician or hospital you like at any time provided they are included in the plans listing. POS health insurance is the standard type of insurance that pays a percentage of any medical bills you receive provided the services are covered. Get your health insurance quotes online from a source that will provide you with multiple companies at once so you can immediately sit down and compare everything each plan has to offer against the prices they charge. Remember when looking for cheap health insurance it is quality that makes as much of a difference as cost.
For more information on the types of plans available in Florida, please check out our additional resources below.
Health Insurance Exchanges in Florida
To learn more about the benefits of the Health Insurance Exchange in your state, click here
Resources and Information
Florida Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Florida Doctor Directory
Doctors practicing medicine in the State of Florida are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.