What is individual health insurance in Florida?
Individual health insurance in Florida is coverage that a person buys independently. It can be sold to a single individual, a couple, to single parent and dependent children, or to a family. While the majority of Americans get their health insurance coverage through an employer an increasing amount of the population purchases private health coverage on an individual basis.
How can I buy individual health insurance coverage in Florida?
In Florida, like most states individual health insurance coverage can be purchased through licensed health insurance salespeople known as agents or brokers. Independent agents and brokers sell insurance plans from many companies, and they can help you find the coverage that best suits your individual needs.
Agents and brokers also provide service on the policies they have sold, and can help you process claims or with anything else you need regarding your policy. The insurance companies for which agents and brokers sell coverage pay them a commission for their work, so you will not be charged a direct fee if you want to use the services of an agent or broker.Sky's the Limit Health Insurers in is a Licensed Agent/Broker in the state of Florida and we are independent from any specific carrier. We put you first and it is our desire to help you the most affordable solution to your needs. We know you are looking for the cheapest possible coverage. We will do our best to help you .
How is individual insurance different from group insurance?
Individual health insurance is very different than group health insurance, which is the type of insurance that is offered through an employer. Individual consumers are given the choice to not have to pay for some benefits that may be considered ýstandard' in a group policy, like maternity coverage or substance-abuse treatment. The advantage can be a lower cost to the consumer. Sometimes individual health insurance consumers have the option to pay extra for coverage of additional services like maternity coverage. This extra coverage is referred to as an optional rider. In other words, you can purchase coverage that is very comprehensive if you wish to pay more for it or if you are looking for the most affordable plan, you can purchase a policy that will be more of a catastrophic coverage plan. Cost is often the primary factor for individual health insurance consumers, which is another reason why the benefits included in individual policies are often simpler.
Individual health insurance companies are much more limited than group insurance companies in their ability to spread risk, so the laws concerning individual health insurance are different in most states. This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide not to cover people with very serious medical conditions (e.g., HIV or cancer), deeming them ýuninsurable.ý
Can I still buy individual insurance if I have a very serious pre-existing medical condition?
It is possible that there may be different options for you. Please contact Sky's the Limit Health Insurers directly so we can discuss options for your pre-existing condition.
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Florida Health Insurance Exchange