- 1). Research all the health insurance options. Also, understand how much you can afford and consider the way it will be used. For instance, it can be used between jobs, self-employment, or additional reasons. Florida health insurance companies will reject many applicants because of prior health history, and place permanent exclusion riders (i.e., knee problems are not covered) on some pre-existing conditions. Therefore, you must be aware of multiple options to help ensure you will be able to buy individual health insurance. To find individual plans yourself, you may go to the Health Insurance Resource Center or other online quote sites (see Resources). They have a zip code search option to help people looking for individual plans specifically.
- 2). Find an independent insurance agent to get a variety of quotes. To find the best agent for you, it is prudent research for someone that works with many providers (i.e., five). Also, ask for a referral from people you trust and try user-based review sites, like Merchant Circle. Merchant Circle has more than 1 million members in many business sectors, so it is a likely place to locate a Florida health insurance specialist catering to individuals.
- 3). Select a health insurance plan that meets your needs. In Florida, you must choose between two major plans that are categorized as PPO (Preferred Provider Organization) or Florida HMO (Health Maintenance Organization) options. Each has pros and cons. For instance, PPOs allow for out-of-network visits and do not require a referral from a primary care physician. However, HMO coverage typically has lower out-of-pocket fees (i.e., deductibles) and maternity leave. The third type is temporary health insurance, but it varies widely in time frame and what is covered. Its rates are lower than the two major options, but it is not a permanent health insurance solution.
- 4). Submit the initial questionnaire for individual Florida health insurance coverage plans. Wait for a quote based on your information and expect rates to vary. Rates will be based on your current and previous health status. Ask questions about your coverage specifics and have a price range in mind to do the best negotiation with an agent. Find additional insight referenced from the Florida Health Insurance Guide.
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