An Insiders Look At Health Insurance In Florida
The reforms will soon make it compulsory for every American to have health insurance and Floridians are no exception. Residents of Florida too will need to mandatorily have health insurance by 2012. The clock is ticking and if you are one of those who do not have any form of medical coverage, you better start the process soon.
There are a large number of companies like Aetna and Blue Cross that provide health insurance in the United States. These insurers provide a wide 0variety of plans such as low cost health plans, temporary plans, individual as well as family health insurance.
The first step is to decide on the insurance company from the hordes of options available. It is important to a background check on the company. The best place to check is to log on to Floridas Department of Insurance. The state insurance department has the list of all those health carriers who are licensed to sell insurance in the state. Make sure that you select one of the health insurance companies enlisted in by the insurance department.
After deciding on the company, it is now time to choose the type of plan. You could either go for an individual or a family or a group health plan depending on your need and the number of people who need coverage. Then again, depending on your budget, you could either go for an indemnity plan or a managed healthcare plan.
Indemnity plans are flexible, but are the costliest option when buying health insurance in Florida. You need to pay upfront and later get it reimbursed from the carrier. These plans are not too popular and are gradually being replaced by managed healthcare plans.
Managed healthcare plans like HMOs, PPOs and PoS are a much cheaper option. These plans focus on providing primary and preventive healthcare services. The flexibility depends on the plan you are choosing. However, there is a network of healthcare service providers and you need to pay more if you are consulting beyond the network.
Once you have decided on the plan, the next step would be to do a quote comparison. You can either log into each insurers site independently or you could log onto an independent portal. The advantage of logging onto an independent insurance portal is that you get a wider perspective and an unbiased opinion.
Quote comparison will enable you to get a policy for the lowest possible price in Florida. It ensures that you dont end up paying more when there are cheaper options available. Once you have decided on the plan, you are now set to make the final purchase. It is advisable that you make the payment to the insurance company directly to avoid any scam in between.
Health insurance in Florida will soon become a legal issue and if you are a resident of the state, then it is better that your purchase your plan of your choice before just about any other plan is thrust upon you.
by: Shaun Mike