Understanding Health Insurance in Florida
Daily, we deal with issues that in one way or the other, affect our health directly or indirectly but most times, we do not stop to find out until it takes its toll on our health.
However, it is a known fact that health-related issues and health maintenance can be quite expensive and pocket-cleaning especially in places like Florida.
It is this reason that people seek out health insurance companies to help ease the expensive process of health maintenance.
Whether you are coming across a topic like this for the first time or you have an idea but do not know how health insurance operates, kindly stay reading and find out all you have to know about health insurance companies in Florida and how they operate.
Generally, health insurance is a type of medical coverage that takes care of your medical expenses when you are sick.
It is an easy way to pay for your medications, doctor’s consultation fees, or the case of ambulance charges and hospitalization.
In line with this, everyone should have their health insured because, everyone, no matter the age and health status, is entitled to quality and excellent medical care.
Health insurance companies in Florida
In Florida, it is very possible to spend almost your income on healthcare more than in other states in the United States of America.
And this is according to a verified report. So, this shows that a non-health-insured individual could go very broke if illness decides to come knocking.
Types of healthcare insurance plans in Florida
Furthermore, Florida is among the leading states with a high number of residents and therefore are required by the FEDERAL AFFORDABLE CARE ACT (ACA) to have their health insured.
Again, there are types of healthcare insurance plan options available for Floridians. These includes:
Short term health insurance plan:
This is a temporary medical insurance plan which covers your health insurance temporarily until you get another that is suitable and longer. The short-term health insurance company may provide budget-friendly monthly payments.
TriTerm medical insurance:
TriTerm medical insurance is another short-term health insurance that covers preventive care, doctor office visits, and also prescriptions. After 12months on this plan, the expenses of any eligible preexisting illness will be covered.
Hospital and Doctor insurance plan:
This offers the kind of coverage that pays cash for eligible medical services like surgical procedures, doctor’s visits, and any emergency medical care. There are no deductibles or co-pays to pay first.
Accident and critical illness insurance plan:
The insurance gets you covered at the time of unforeseen circumstances like accidents and critical illness.
Instead of wiping off your funds, it saves you the financial headache by paying cash to cover the illness or injuries sustained from the accident. Preexisting conditions may be covered with this plan.
Florida dental and vision plan:
Covers the dental and visual needs of the people involved. It has no age limitations.
Best health insurance in Florida
For your peace of mind and well-being, it is very wise to always opt for the best healthcare available for yourself and your loved ones.
For you to achieve this feat, the right thing to do is to look around for the best health insurance in Florida and get your health insured.
Here, we have compiled a comprehensive list of the best health insurance companies in Florida. These companies rank high in the state for their excellent services in the health insurance industry. Therefore, this list will help you make an informed decision about your health insurance plan. In no order of preference, they include:
Aetna Health Insurance Company
Aetna has proved over time to be qualified to stand side by side with other great health insurance companies in Florida.
The company is licensed with the Florida Department of Insurance that offers its clients protection if at any time the company is not able to pay a claim.
Aetna has a wide variety of health insurance packages which includes big and small businesses, individual and public health coverage.
Avalon Healthcare Company
Avalon healthcare company is another insurance company that strives for excellence. They give you the option of a 24 hours call-in nurse for your medical concerns. Not only that, they make it easier for their clients to choose for either:
Health savings account plan that offers you coverage of the medical expenses with a yearly calendar with pre-tax dollars.
Co-pay plan which gives you the most coverage plan available
A high deductible plan has the highest deductible pay
Blue Cross and Blue Shield of Florida (BCBSFL)
This healthcare company is a well-known brand in the state of Florida. Their services cuts across the globe with at least a hundred million people using their healthcare plan.
Blue Cross and Blue Shield have a supplement insurance plan for older people from sixty-five years and above who reside in Florida.
Aside from that, they are licensed with the Florida Department of Insurance. Also, they provide group, individual, and reduced health insurance plans.
Founded in 1977, it is among the biggest health insurance provider in the United States. The company is known for its approach to technology for the proper output of its services. UnitedHealthcare also has facilities for virtual mental health services which is among the biggest in the country.
Their healthcare plan prices are different in each state, and dependent on your health habit (smoker or none smoker), age, family size, and also according to the plan type you selected.
UnitedHealthcare offers other services ranging from health insurance, Medicaid, short-term insurance, Medicare, supplement coverage, dental, and vision. UnitedHealthcare is a subsidiary of UnitedHealthcare Group.
Cigna has over the years built a solid reputation for itself as a health care insurance company. Dated back to 1792, this company has earned high ratings with AM Best and rankings from NCQA for its quality services.
Cigna offers health coverage to about one hundred and eighty million customers in thirty countries. It works with over five hundred hospitals and more than sixty-seven thousand pharmacies in the United States.
More so, Cigna works alongside over one hundred and seventy-five thousand mental and behavioral health providers in the country.
The company also has a delivery system that offers 90-day home delivery of prescribed drugs for a user. Recently they added digital therapy to its many services.
Established in 2012, although it doesn’t have any ratings yet Oscar is a technology and innovation-driven healthcare company.
One of its unique services is a 24hour unlimited free call option to the company’s doctor. A dedicated team of nurses to guide and answer all your healthcare questions like lab results, records, deductibles, and more.