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FLORIDA GROUP HEALTH INSURANCE
Florida large group health insurance (Groups of 51+)Large groups are companies with 51 or more eligible employees. These are employees who have completed their company's waiting period and work more than 30 hours per week. Large group health insurance is not guaranteed issue. They are underwritten (the insurance company medically determines if this is a group the will insure). Rates will vary depending the health of the group and the company insuring the group. Past claims history will also be used in helping the insurance company determine a rate for each group. Usually the higher the claims the higher the rates a company will charge the group.
Florida small group health insurance (Groups of 10+)This size group has a self-funding option available along with the Florida group health insurance guaranteed issue option. Both plans have a PPO plan option. The self-funded plans are underwritten (they look at the health of the group similar to the large group) with normally low rates. There is a catch. The group has to be relatively healthy, in other words few to average claims on an annual basis. If this applies to your company, you can save thousands of premium dollars annually and even get a premium refund if claims go well during the year. If your group has some employees with some health issues you can obtain guaranteed issue Florida group health insurance mandated by the state. With few exceptions, small employers (1 to 50) cannot be turned down.
Florida group health insurance (Groups of 4 to 50)There are HMOs, PPOs and other plans to choose from. All plans that fall under the Florida group health insurance small group plans are guaranteed issue. Meaning that the insurance carrier must take you regardless of health of the group. The premium will be higher than plans that are medically underwritten because they have to take everyone. If you have a preexisting condition that is covered under your current plan and you move to another group plan, then that condition will be covered. If you have no current coverage for the preexisting condition then you will have to wait 12 months to have the condition covered. Additionally there are over 50 Florida State mandates (conditions group insurance is required to cover) on group insurance.
Florida group health insurance (Groups of 1-3)This area of Florida group health insurance still has the guaranteed issue plans. The coverages offered and open enrollment periods to obtain these plans, are very limited. Groups of one have an open enrollment once a year in August for an October effective date. Groups of 2-3 can apply during any month of the year for a following month effective date. |
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Florida Health Insurance Articles
- Pharmaceutical Benefits for the Elderly in Florida
As part of court settlement, Medco to provide uninsured Florida senior citizens with generic medications.
Florida Insurance Regulations
Florida health insurance regulations designed to protect consumers, prohibit discrimination based upon pre-existing conditions.
Healthy Families Florida
State of Florida plan helps parents and guardians lacking in financial resources to provide health care to their families.
Florida Medicaid Reform
The benefits contained within Floridaŭs Medicaid program and how the public plays a role.
State of Florida Health Care Premiums
Due to rising costs, committee formed to review healthcare costs within the state of Florida.
Take Control of Health Care Costs
Experts suggest monitoring the incurrence of all healthcare costs to ensure you are not paying more than you should.
The Affordable Health Care for Floridians Act
Not only making healthcare affordable to all Floridians, but making all Floridians educated about healthcare is the goal of the Affordable Healthcare for Floridians Act
Short-term Florida Health Insurance
When in between policies, Florida short-term health insurance may cover the gaps by providing temporary security.
Florida Maternity Insurance
Reviewing one's healthcare policy with respect to coverage for maternity-related matters is an important issue for women considering getting pregnant.
Prescription Plans
Prescription medications, the hotly debated topic of late, can prove enormously costly and detrimental to oneŭs should he or she not have the benefit of quality pharmaceutical coverage.
Florida Health Care Assistance Programs
For those without insurance, a variety of reputable outlets exist from which one can obtain necessary health care services and treatments.
Insurance Service Programs in Florida
Within the State of Florida, low income residents have access to programs that provide health care insurance via private companies.
Health Insurance for Children in Florida
Low income families though not always able to afford it, still desire the best quality care for their children. Through Floridaŭs Health Care for Children program, parents are able to provide for their children with KidCare and additional benefit-laden, state run programs.
Student Health Insurance in Florida
Once officially declared an adult at the age of 18, what do parents do about their childŭs health insurance coverage?
The Healthy State Initiative
Within the state of Florida, a concerted effort is underway to improve the lives of residentsŭ by helping them to understand how to attain and maintain a healthier, fuller life.
Florida Health Insurance is only one click away. We are a friendly agency specializing in serving Floridians and their health insurance needs. We are available by phone at any time, since we know how it feels to shop for insurance without human contact. If you cannot find the information or Florida health insurance you need, please contact us by phone or email and we will gladly walk you through the process.