Florida Individual Health Insurance
The title of Florida individual health insurance can be slightly misleading.
This type of healthcare policy can refer to coverage for a single person, but
it can also be coverage for an entire family.
It is named individual because the premiums apply to a single policy rather
than a policy that is part of a group plan from an employer or government
backed agency.
Agents selling this type of insurance in Florida must be licensed and
regulated by the state. There are strict requirements that the insurance
company must follow in order to be allowed to sell policies to state residents.
So, what are some of the reasons why you should consider purchasing
a Florida individual health insurance policy? Primarily residents will seek
coverage under this type of plan when insurance is not available
through their employers.
Some consumers will take out an individual plan to supplement the coverage
of a bare bones insurance policy that is provided by their workplace.
Those residents who are at least 65 years old and covered by Medicare
may also choose to purchase an individual policy to provide more
coverage for costly medical procedures and prescriptions drugs.
Those workers who are employed in seasonal positions and know there
are times during the year when they will be unemployed and not covered
by an employers policy can benefit from purchasing a separate Florida
individual health insurance plan.
This type of coverage may fall into the category of temporary
health insurance. While often not as comprehensive as other policies,
the temporary plan can be quite cost effective and can be purchased in
thirty day increments up to 6 months, often with renewal options.
When purchased from a reputable, licensed agency, a temporary
policy can be considered creditable coverage in order to be able to
obtain a more comprehensive long-term policy at a later date.
When you are at the stage of comparing different Florida individual
health insurance policies, be sure to verify that the issuers are on
the individual carrier list approved by the state.
Before you sign the policy, make certain you fully understand all
the terms and limitations so that you will not enter into an agreement
with faulty expectations.
After you have signed a policy, Florida law provides consumers
with a ten day period in which they can terminate the agreement and
receive a full refund for any premium amounts that have been paid.
Blue Cross Blue Shield of Florida Plans
Blue Cross Blue Shield of Florida is a non-profit, independent license holder of the Blue Cross Blue Shield Association. With offices located in Pensacola, Jacksonville, Tampa, Miami, Fort Lauderdale and Orlando, it is one of the stateŭs largest providers of health insurance products and services. It is also one of the oldest health insurance companies in the state, going back to the original Florida Hospital Service Corporation in 1944. Employing more than 6,000 people makes them a primary employer in Florida as well. A full range of products has been developed to provide Floridians with the coverage they need, at an affordable price.
From Group and Family plans, to flexible spending and health savings accounts, Blue Cross Blue Shield of Florida, has health insurance that is right for you, whatever stage of your life. As health care needs have grown and changed, so have the products available. The family of BlueOptions plans has been designed around families and individuals under the age of 65. The solutions offer options that allow you to make the choices needed to provide the best care for your specific lifestyle and health needs. The Predictable Cost plans offer coverage with standardized co-payments and coinsurance amounts as well as annual deductibles that are based on the calendar year.
In this type of Blue Cross Blue Shield of Florida plan, well care and preventative maintenance aspects of health care have no deductibles. For other health care treatments, there are a variety of deductibles to choose from. The comprehensive pharmacy program includes name brand as well as generic prescription medications. Depending on the options selected for the plan, policyholders can have coverage for a variety of outpatient therapies from speech and occupational therapies to massage and spinal treatments. Although there are no referrals required to see a specialist, choosing from the NetworkBlue provider list will help keep deductibles low.
BlueOptions Temporary Insurance was created by Blue Cross Blue Shield of Florida in response to the difficulties caused by the challenging economic climate. Individuals that are between jobs and those who have just started a new job can purchase coverage for small increments of time, from 30 to 180 days. This plan covers hospital and physician services in or out of network. The pricing and options available help reduce costs incurred by unexpected circumstances. As one of the largest health care providers in Florida, we can customize a plan that meets your healthcare needs while keeping the coverage affordable.
