Florida


 

About Health Insurance in Florida

East Coast Health Insurance is your source for the best care available in the state of Florida, because this is our home (we are headquartered in Deerfield Beach) and we know the market inside and out. There are many great companies available for health insurance in Florida, including Aetna, Blue Cross Blue Shield, Cigna, Humana, Coventry One, AvMed, and UnitedHealth One.

We provide you with the deepest knowledge of Florida’s health services and insurance options, and will always find a way for you to receive the care you deserve. No matter what your current situation, as a Florida resident, we provide you with all the top health insurance companies, including a Florida Government Health Assistance database compiled for those who cannot receive individual medical care benefits.

Statistics

  • Total Population: 18,413,600
  • Total Uninsured Population: 3,924,800 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,837
  • Average State Premium for Individual Health Insurance: $178

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Florida

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our experts finding the best rates for you over the phone at 888-803-5917.

Strengths:

  • Counter to most stereotypes, Florida has one of the lowest rates of binge drinking
  • Florida is near the top of the nation for getting childhood immunizations
  • Florida has some of the cleanest air in the nation

Challenges:

  • Florida ranks near the top of the nation for residents running around without any health insurance
  • A true stereotype is that Florida has a very low high school graduation rate
  • The state is highly fragmented with much of the state having small populations while the bulk of the population is in South Florida.

Highlights:

  • While smoking has decreased significantly in the past ten years, more than 2.5 million adults still smoke in Florida.
  • Over 4 million adults in Florida are obese, 1.7 million more individuals than 10 years ago.
  • More than 1.5 million people in Florida have diabetes, an increase of 688,000 people in the last ten years.
  • In the past year, the violent crime rate decreased from 613 to 542 offenses per 100,000 population.
  • In the past year, the rate of preventable hospitalizations increased from 62.5 to 64.3 discharges per 1,000 Medicare enrollees.
  • Florida ranks higher for determinants than for outcomes, indicating that overall healthiness should improve over time.

Florida Public Health Insurance Programs

 

The Florida Medicaid Program provides medical coverage for Florida residents who meet the program’s eligibility requirements. This mostly includes children, pregnant women, disabled adults, and seniors.   More information is here, http://www.floridahealthfinder.gov/medicaid/florida-medicaid-program.aspx

Florida KidCare –  the state of Florida offers health insurance for children from birth through age 18, even if one or both parents are working. It includes four different parts. When you apply for the insurance, Florida KidCare will check which part your child may qualify for based on age and family income.

For adults use our Florida Public Health Insurance Program Matrix which covers • Florida Comprehensive Health Association
• Women-Infant-Children (WIC)
• Breast and Cervical Cancer Prevention
• Florida Alzheimer Disease Initiative
• AIDS Insurance Continuation Program

A list of Florida programs for all other health issues

Florida is enrolled in the Federal PCIP program which is being utilized the State High Risk Pool.

We have compiled a list of every free public Florida clinics which offers subsidized care based on a sliding scale based on income.

 

Florida Health Insurance Market & Laws

There is a large number of health insurance regulations in the state of Florida. it is important to understand the basics of what affects you and your family the most when considering health insurance. Also keep in mind what actions insurance companies are legally permitted to take, so you are prepared to face higher rates or declined coverage (in some cases).

Like many other states, the guaranteed renewability provision in effect in Florida for all health insurance policies. This means that if you have not committed any fraudulent activity in regards to your health insurance and your premiums have been met, health insurance companies must renew your same policy at the end of a term.

Pre-existing conditions can either be dealt a permanent or temporary exclusion period in Florida. Health insurance companies are allowed the right to decide whether your condition is costly or serious enough to deny coverage for a certain period of time, or not cover expenses for the condition altogether. Every state considers pre-existing conditions differently. In Florida, if you have received treatment for a condition in two years prior to enrolling for health insurance, it qualifies as a pre-existing condition.

When changing health insurance companies, you can get continuous coverage by using a credit from your old plan to pay for an exclusion period. On your previous plan, if there were no breaks in coverage and you met your premiums, you qualify to use that coverage towards your pre-existing condition treatment while the insurance company is not covering it.

Insurance companies in Florida have many rights which may prevent you from getting the coverage you need, such as the ability to deny insurance to an applicant. Florida insurers are allowed to be selective about who they sell insurance to, based on health standings and age. If they do decide to offer you a policy, you are subject to varying premiums based on your health and age. It is essential to compare companies and also take necessary measures to prove you are in good health when you apply for a medical insurance plan.

Coverage

For individuals who live in Florida, health insurance is required to cover the following medical expenses:

  •  Immunizations for children
  • Breast cancer screening
  • Maternity care, during and after pregnancy
  • Treatment for certain diabetes-related illnesses

 

Sources:

1. Kaiser Family Foundation, “Florida – Kaiser State Health Facts”. http://www.statehealthfacts.org/

2. Florida Department of Children and Families, “General Information About Medicaid”. http://www.dcf.state.fl.us/programs/access/medicaid.shtml

3. Florida Department of Regulatory Agencies. http://www.floir.com/

4. Health Insurance In-Depth, “Florida Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Florida.html