Florida Health Insurance

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According to the Center for Disease Control, between 2001 and 2003 17.6% of Floridians were uninsured for Florida health insurance.

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Florida Health Insurance Regulations

All Florida health insurance is guaranteed renewable which means that as long as an individual has paid all premiums on time and has not provided the Florida health insurance company with any false information, the individual cannot be denied the ability to renew an existing policy.

Florida health insurance companies can impose a pre-existing condition exclusion period to any individual who has been diagnosed or treated for a medical condition within a two year period prior to the beginning of the requested Florida medical insurance plan. This exclusion period means that the Florida health insurance company will not provide coverage for the existing condition during that period. The exclusion period may be permanent and is dependant upon the Florida medical insurance company.

Existing coverage can be used to credit a pre-existing exclusion period required by the new Florida health insurance policy provided there was no lapse in coverage. Florida health insurance companies can, however, deny insurance to any individual. Florida laws provide protection for individuals who fall under group or employer health insurance plans as they cannot be denied coverage for Florida health insurance.

Florida health insurance rates can also vary dependant upon the individual’s age and health. Temporary health care coverage is available through many Florida health insurance companies to provide coverage between jobs or plan. Such policy applications must be completed and returned within 63 days of the end of the last health insurance policy.

Alternative Florida Health Insurance Options

The state of Florida provides options for individuals who may be uninsurable or cannot afford to purchase individual Florida health insurance. These plans include:

  • Florida Medicaid is available for those individuals who meet the income and eligibility criteria.
  • Florida KidCare is the Florida health insurance for children under 19 years of age whose families do not qualify for Medicaid and cannot otherwise afford Florida health insurance.

Information on Florida Health Insurance

Florida Medicaid:
www.fdhc.state.fl.us

Florida KidCare:
www.floridakidcare.org

For more information on Florida health insurance visit:

Florida Department of Financial Services

Florida Department of Financial Services (Handles Florida health insurance):
www.fldfs.com
Florida Department of Financial Services
200 East Gaines Street
Tallahassee, FL 32399-0300
(850) 413-3100

Florida Department of Insurance Regulation

Florida office of Insurance Regulation:
www.floir.com

Florida Office of Insurance Regulations (Commissioner)
200 East Gaines Street
Tallahassee, Florida 32399-0305
850-413-3140

Florida Health Insurance Organizations

According to the Florida Office of Insurance Regulations, the following are lists of Florida health insurance companies active in the state of Florida. The lists are grouped into categories based on specialty:

DISCOUNT MEDICAL PLAN ORGANIZAIONS

  • 20/20 EYECARE PLAN, INC
  • ACCESS ONE CONSUMER HEALTH, INC.
  • AFFINION BENEFITS GROUP, INC.
  • AFFORDABLE FAMILY HEALTH SERVICES
  • ALLIANCE HEALTHCARD OF FLORIDA, INC.
  • AMERIPLAN CORPORATION DBA BENEFIT PLANS OF AMERICA
  • ASSOCIATION HEALTH CARE MANAGEMENT, INC. D/B/A FAMILY CARE DBA FAMILY CARE
  • ASSURED OPTIONS SYSTEM, INC. (D/B/A MEDMORE)
  • ATLANTIC DENTAL, INC.
  • AVIA DENTAL PLAN
  • BENEFIT SERVICES OF AMERICA, INC.
  • BEST BENEFITS, INC.
  • CAPELLA GROUP, INC. (THE) DBA CARE ENTREE
  • CAREINGTON INTERNATIONAL CORPORATION
  • CHCS SERVICES, INC.
  • CINERGY HEALTH, INC.
  • COLONY SPRINGS MEDICAL CENTER DBA CSMC PRO SALUD PLAN
  • COMPBENEFITS COMPANY DBA COMPBENEFITS COMPANY
  • DENTAL NETWORK OF AMERICA, INC.
  • DENTALPLANS.COM, INC.
  • FLORIDA HEALTH SOLUTION, CORP.
  • GROUP DENTAL SERVICES OF MARYLAND
  • HEALTH CHOICE NETWORK, INC. DBA CARENET
  • HEALTHALLIES, INC.
  • INTERNATIONAL ASSOCIATION OF BENEFITS
  • MEDNET BENEFITS INC.
  • NATIONAL BENEFIT ADVISORY ASSOCIATION
  • NEWBN, INC. DBA NEW BENEFITS, LTD
  • ORGANIZACION GAMMA, INC. D/B/A MEDICAL PASS
  • PINNACLECHOICE, INC.
  • PRO-MED HEALTH NETWORK
  • PROFAMILY PLAN, INC. DBA PROMEDICAL PLAN
  • PROTECTIVE MARKETING ENTERPRISES, INC.
  • STARMARK BENEFITS, INC.
  • SUNSHINE MEDICAL NETWORK II, INC.
  • UNITED HEALTHCARE SERVICES, INC. DBA UNITED HEALTH
  • UNITED HEALTHCARE SERVICES, INC. DBA UNITED HEALTHCARE SERVICES OF MINNESOTA, INC.
  • VANTAGE AMERICA SOLUTIONS, INC.
  • WHOLESALE BENEFITS CLUB, INC.

HEALTH MAINTENANCE ORGANIZATIONS (HMOs)

  • AETNA HEALTH INC.
  • AMERICA'S HEALTH CHOICE MEDICAL PLANS, INC.
  • AMERICAN PIONEER HEALTH PLANS, INC.
  • AMERIGROUP FLORIDA, INC. DBA AMERIGROUP FLORIDA, INC.
  • AVMED, INC. DBA AVMED HEALTH PLANS
  • CAPITAL HEALTH PLAN, INC.
  • CAREPLUS HEALTH PLANS, INC.
  • CIGNA HEALTHCARE OF FLORIDA, INC.
  • CITRUS HEALTH CARE, INC.
  • FLORIDA HEALTH CARE PLAN, INC.
  • FREEDOM HEALTH, INC.
  • GREAT-WEST HEALTHCARE OF FLORIDA, INC.
  • HEALTH FIRST HEALTH PLANS, INC. DBA HEALTH FIRST HEALTH PLANS, INC.
  • HEALTH OPTIONS, INC.
  • HEALTHEASE OF FLORIDA, INC. DBA HEALTHEASE
  • HEALTHSUN HEALTH PLANS, INC.
  • HEALTHY PALM BEACHES, INC.
  • HUMANA MEDICAL PLAN, INC.
  • LEON MEDICAL CENTERS HEALTH PLANS, INC.
  • METCARE HEALTH PLANS, INC.
  • NEIGHBORHOOD HEALTH PARTNERSHIP, INC.
  • OPTIMUM HEALTHCARE, INC.
  • PARTNERCARE HEALTH PLAN, INC
  • PHYSICIANS UNITED PLAN, INC.
  • PREFERRED CARE PARTNERS, INC.
  • PREFERRED MEDICAL PLAN, INC. DBA PREFERRED MEDICAL PLAN, INC. (PHC)
  • QUALITY HEALTH PLANS, INC.
  • SUMMIT HEALTH PLAN, INC.
  • SUNCOAST PHYSICIAN HEALTH PLAN, INC.
  • THE PUBLIC HEALTH TRUST OF DADE COUNTY DBA JMH HEALTH PLAN
  • TOTAL HEALTH CHOICE, INC. DBA PACIFICARE OF FLORIDA, INC.
  • UNITED HEALTHCARE OF FLORIDA, INC.
  • UNIVERSAL HEALTH CARE, INC.
  • VISTA HEALTHPLAN OF SOUTH FLORIDA, INC. DBA FOUNDATION HEALTH, A FLORIDA HEALTH PLAN, INC.
  • VISTA HEALTHPLAN, INC.
  • WELLCARE OF FLORIDA, INC.

MEDICARE PLUS CHOICE PROVIDER SPONSORED ORG. (MPC-PSO)

  • DOCTORCARE, INC.
  • MEDICA HEALTHCARE PLANS, INC.

PRE-PAID HEALTH CLINICS

  • CARE ACCESS HEALTH PLAN, INC.
  • FLORIDA HEALTH SOLUTION, CORP.
  • PREFERRED MEDICAL PLAN, INC. DBA PREFERRED MEDICAL PLAN, INC. (PHC)
  • PROFAMILY PLAN, INC. DBA PROMEDICAL PLAN
  • SOUTH FLORIDA PREPAID HEALTH CLINICS, INC.

PRE-PAID LIMITED HEALTH SERVICE ORGANIZATION

  • 20/20 EYECARE PLAN, INC
  • ADVANTICA EYECARE, INC.
  • ATLANTIC AMBULANCE SERVICES ACQUISITION, INC.
  • ATLANTIC DENTAL, INC.
  • CIGNA DENTAL HEALTH OF FLORIDA, INC.
  • COMPBENEFITS COMPANY DBA COMPBENEFITS COMPANY
  • DENTAL BENEFIT PROVIDERS OF ILLINOIS, INC.
  • DENTAL CONCERN, INC., THE DBA THE DENTAL CONCERN, INC.
  • DORAL ADMINISTRATIVE SERVICES OF FLORIDA, INC.
  • FLORIDA HEALTH PARTNERS, INC.
  • INTERNATIONAL DENTAL PLANS, INC.
  • LAKEVIEW CENTER, INC.
  • MAGELLAN BEHAVIORAL HEALTH OF FLORIDA, INC.
  • MANAGED CARE OF NORTH AMERICA, INC.
  • MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC.
  • MHNET OF FLORIDA, INC.
  • NORTH FLORIDA BEHAVIORAL HEALTH PARTNERS, INC.
  • RESCUECARE
  • SAFEGUARD HEALTH PLANS, INC.
  • SKYMED INTERNATIONAL (FLORIDA) INC.
  • STARMARK BENEFITS, INC.
  • UNITED CONCORDIA DENTAL PLANS OF FLORIDA,INC.