Florida Health Insurance

Finding Affordable Florida Health Insurance

There are several ways you can go about finding affordable health insurance in Florida if you don't have group coverage from your employer, or are in need of individual or family health insurance. Here are some of the most convenient.

The Florida Office of Insurance Regulation is the government agency that regulates insurance companies in the state. Their Web site features a directory that allows you to look up information on insurance companies that do business in the state. If you type in the name of a company you're interested in, you can get the phone number and Web site and request a quote.

The Insurance Information Institute recommends that you get at least three different quotes when shopping. This is because rates can vary so much from one health insurance company to the next.

Another convenient source is an insurance comparison Web site. These sites don't represent a single insurance company, but instead will provide your information to several independent agents or companies so you get several different quotes back. The nice thing about this is that you usually only provide your information once, instead of multiple times.

You typically find two types of individual or family health plans in Florida: Managed care and fee-for-service. Managed care plans participate in a network of healthcare providers. Examples are health maintenance organizations (HMOs) and exclusive provider organizations (EPOs). You usually pay a co-payment and are limited to receiving care in the plan's network. Though you can often get care outside of the network, it may cost you more.

Fee-for-service plans usually let you choose your healthcare provider. These types of plans often have a large deductible but can save you money in the long run because they may cover more of the services once you've paid your deductible.

If you're not sure what type of plan you want, ask questions and do some comparisons. Remember, when shopping for affordable healthcare, it's important that the policy will cover what you need. So you may not always want to go with the lowest quote. Consider all of the conditions, coverages and services of each insurer who gives you a quote to make sure your needs will be met in the event you have a claim.

You can get free comparison Florida health insurance quotes and learn more about saving on health insurance at LowerYourInsurance.com. Justin Scott writes frequently about health insurance.

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