Best Health insurance companies in Florida 2022

Here are top Health insurance companies in Florida everyone ought to know. When it comes to health and its maintenance, every other aspect of our lives as humans takes a seat and pays attention.

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.

  1. Co-pay plan which gives you the most coverage plan available
  2. 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.

  • UnitedHealthcare

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

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.

  • Oscar

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.

Cheap healthcare insurance in Florida

There has been a major increase in health insurance prices in Florida over the years. Recently, a report showed that the average cost of health insurance for a person in the state of Florida is $7,389.

Though insurance costs vary based on the cost of care. Still, this has become a concern for Floridians who want to get their health insured.

Luckily for the low-income earners, there are still lots of good but cheap health insurance in Florida. Though, they may be hard to find because of the buzz from the expensive health insurance companies.

Again, there are things to consider when thinking about health care insurance. Factors like your income level, health care needs, county, the age of the person looking to be insured. This means that prices of insurance differ from county to county in the state of Florida.

Also, a younger person gets a cheaper health insurance price than an older person. That is, the older the person, the higher the price of the health care insurance.

However, if you aim to secure a cheap health insurance plan in Florida, those factors mentioned should guide your decision.

According to research, the AMBETTER Company has the cheapest health insurance in most counties in Florida.

Other cheap health insurance by metal tier

Metal Tier    CHEAPEST Plan      Cost Per Month
Catastrophic    Health First         $195

GYM ACCESS

Catastrophic

Bronze         Molina Core         $338

Care Bronze 1

Bronze Expanded Health First        $325

Bronze

Value 60 1814

Silver           Health First         $430

Silver Value 80 1815

Free health insurance in Florida

Free health insurance in Florida still exists because some residents can not afford even cheap health insurance.

This was made possible so that even the lowest income earner can be able to access medical care when necessary.

Therefore, you do not have to go through the health insurance companies for you to be able to access free health care. Instead, you will have to apply for Medicaid or Medicare programs.

Medicaid is a health care insurance avenue through which the federal government in partnership with the state government provides good medical care for low-income Floridians.

You have to be eligible before you can be covered. First, be a resident of the state of Florida, an income earner, a United States citizen, and in need of health care assistance.

Other criteria that help you qualify for Medicaid are the following:

  1. Disability or a disabled family member
  2. Pregnancy
  3. Have a child that is 18 years or below
  4. Blindness
  5. Be 65 years or older

The Medicaid program has three parts:

  • The Managed Medical Assistance (MMA) covers medical services like mental health care, prescribed drugs, doctor’s visits, hospital care, and transportation for these services.
  • Long-term care provides nursing facilities, assisted living. To be qualified for Long Term Care, you must be 18 years and above and meet nursing home or hospital level of care
  • Dental provides all the Medicaid dental services for both children and adults. Everyone on Medicaid must be on the dental plan.

On the other hand, Medicare is a federal program that provides health coverage for persons who are both under 65 years or above and have a disability, regardless of their income.

You can qualify for both Medicaid and Medicare programs if you meet all the requirements.

For your children below the age of 19 years, you can enroll them in Florida’s KidCare program called MediKids. MediKids is a free health insurance program for children.

Enrolling your child or children in this program will help you save costs in case of any health challenge or health emergency.

Things you should know before picking up any health insurance plan

While it is a wise decision to have your health insurance in place, it is also important that you consider some things so that you won’t have to regret your decision later.

  • Know the total cost for your intended health care plan: Your income allows you to decide what type of insurance you should go for. Remember, you pay a monthly amount to your insurance company. It does not matter if you need their services or not for that month.
  • Type of health care plan and provider: Some plan or health care insurance packages gives you access to doctors, prescribed drugs, and health care facilities of your choice but others limit your choices or charge you extra for that.
  • The Metal tier categories:

The metal tier helps you to see how you share the cost with your plan. There are Bronze, Silver, Gold, and Platinum tiers.

Benefits of health care insurance in Florida

We already know that it is good to have our health and that of our family insured but there are other perks added to it.

  • Financial security: It feels very comforting to know that you do not have to break your bank in case of accidents, illness, or health emergencies.
  • Pre-Existing illness coverage: In the case of pre-existing illness, your health care insurance makes sure you do not go broke from managing what was not your fault in the first place.
  • Peace of mind: Finally, you get to worry less about your health or emergencies and focus more on other important things that you need to do.

In conclusion, the state of Florida has a good and well vast ideology of health maintenance. It is always beautiful to see people who take care of their health needs by themselves and a government that runs an inclusive society where the poor get to enjoy good health care just like the wealthy ones.

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