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Medical Insurance in Florida: An Overview

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Medical Insurance in Florida

Medical Insurance in Florida

Introduction: The health insurance situation of Florida is not satisfactory, at all. Almost 16% to 17% of the Florida population is not covered by any health insurance coverage. Here, we have discussed some important points and major factors regarding Florida health insurance. We have also provided a list of leading health insurance organizations; within the state of Florida.

Center for Disease Control conducted a survey for two years, from 2001 to 2003. The report of the survey revealed that 17.6% of the total Florida dwellers were not insured; per year.

Some Important Regulations for Florida Health Insurance Companies

The state insurance department of Florida has introduced some regulations to control and monitor the activities of the health insurance companies within Florida. In order to operate insurance business within the state, Florida health insurance providers should strictly abide by these laws. The regulations are mentioned below:

  • Florida health insurers should keep a guaranteed provision for renewal. A guaranteed renewability provision allows every customer who has disbursed the premiums in a timely manner and provided no fake information to the health insurance provider, to renew their existing medical insurance plan.
  • Florida health insurance companies are allowed to inflict a waiting period for a pre-existing health condition for which an applicant has been endured treatment previously; within two year duration before commencement of the new Florida health insurance plan.
  • An applicant is not entitled to get any coverage for his pre-existing health condition; during a waiting period.
  • The insurer has right to reject an application from an applicant with pre-existing health condition; temporarily or even permanently. However, rejection is completely restricted for the applicants who are covered by employer or group insurance plans.
  • The insurer is however free to decide the duration of the waiting period.
  • An applicant can enjoy a deduction in the duration of waiting period by the time he or she was covered by previous health insurance plan. Nevertheless, this deduction completely depends on the respective health insurance provider's decision.
  • Cost of Florida health insurance differs, depending on the age and health status of the applicant.
  • Some of the Florida health insurance providers offer temporary health insurance plans for the people who are in between plans or jobs. To take advantage of such temporary insurance policies, an applicant should submit and return his application within a 63-days period; from the end of previous health insurance plan.

Florida Health Insurance Alternatives

The state government of Florida offers some alternative plans to let the Floridians who are otherwise considered as “uninsurable” or unable to pay for Florida health insurance plans. The plans are as follows:

  • KidCare: This plan is especially designed to provide health insurance coverage to the children; up to age 19. However, children coming from the families that are ineligible for Medicaid or unable to pay for Florida health insurance plans are only eligible for the program.
  • Medicaid: This plan available to the Floridians who meet all the eligibility as well as income criteria.

Florida Health Insurance Companies

Below are the lists top Florida health insurance companies, as per the Florida Office of Insurance Regulations. The companies are categorized according the area of expertise:

Health Maintenance Organizations (HMOs)
  • America's Health Choice Medical Plans, Inc.
  • Aetna Health Inc.
  • American Pioneer Health Plans, Inc.
  • AvMed Health Plans
  • AmeriGroup Florida, Inc.
  • Capital Health Plan, Inc.
  • Cigna Healthcare of Florida, Inc.
  • CarePlus Health Plans, Inc.
  • Citrus Health Care, Inc.
  • Freedom Health, Inc.
  • Florida Health Care Plan, Inc.
  • Great-West Healthcare of Florida, Inc.
  • Health Options, Inc.
  • Health First Health Plans, Inc.
  • HealthSun Health Plans, Inc.
  • HealthEase of Florida, Inc.
  • Humana Medical Plan, Inc.
  • Healthy Palm Beaches, Inc.
  • Leon Medical Centers Health Plans, Inc.
  • MetCare Health Plans, Inc.
  • Neighborhood Health Partnership, Inc.
  • PartnerCare Health Plan, Inc.
  • Preferred Medical Plan, Inc.
  • Physicians United Plan, Inc.
  • Preferred Care Partners, Inc.
  • Optimum HealthCare, Inc.
  • Quality Health Plans, Inc.
  • SunCoast Physician Health Plan, Inc.
  • Summit Health Plan, Inc.
  • Total Health Choice, Inc.
  • The Public Health Trust of Dade County
  • Universal Health Care, Inc.
  • United HealthCare of FL, Inc.
  • Vista HealthPlan, Inc.
  • Foundation Health, A Florida Health Plan, Inc.
  • WellCare of FL, Inc.
Discount Health Plan Organizations
  • Access One Consumer Health, Inc.
  • 20/20 EyeCare Plan, Inc.
  • Affordable Family Health Services
  • Alliance HealthCard of FL, Inc.
  • Affinion Benefits Group, Inc.
  • Association Health Care Management, Inc.
  • AmeriPlan Corp. or Benefit Plans of America
  • Atlantic Dental, Inc.
  • Assured Options System, Inc. (MEDMORE)
  • Aviva Dental Plan
  • Best Benefits, Inc.
  • Benefit Services of America, Inc.
  • Careington International Corp.
  • Capella Group, Inc. (Care Entrée)
  • Cinergy Health, Inc.
  • CHCS Services, Inc.
  • CompBenfits Company
  • Colony Springs Medical Center (CSMC Pro Salud Plan)
  •, Inc.
  • Dental Network of America, Inc.
  • FL Health Solution, Corporation
  • Health Choice Network, Inc. (CARENET)
  • Group Dental Services of Maryland
  • HealthAllies, Inc.
  • MedNet Benefits Inc.
  • International Association of Benefits
  • New Benefits, Ltd.
  • National Benefit Advisory Association
  • Protective Marketing Enterprises, Inc.
  • Pinnacle Choice, Inc.
  • ProFamily Plan, Inc.
  • Pro-Med Health Network
  • Sunshine Medical Network II, Inc.
  • Starmark Benefits, Inc.
  • United HealthCare Services of Minnesota, Inc.
  • United HealthCare Services, Inc.
  • Wholesale Benefits Club, Inc.
  • Vantage America Solutions, Inc.
Pre-Paid Health Clinics
  • FL Health Solution Corporation
  • South Florida Prepaid Health Clinics, Inc.
  • ProFamily Plan
  • Care Access Health Plan, Inc.
  • Preferred Medical Plan, Inc.
Medicare Plus Choice Provider Sponsored Organizations (MPC-PSO)
  • Medica Healthcare Plans, Inc.
  • DoctorCare Inc.
Pre-Paid Limited Health Service Organizations
  • Advantica EyeCare, Inc.
  • Atlantic Ambulance Services Acquisition, Inc.
  • 20/20 EyeCare Plan, Inc.
  • Atlantic Dental, Inc.
  • CompBenefits Comp.
  • Cigna Dental Health of FL, Inc.
  • The Dental Concern, Inc.
  • Dental Benefit Providers of Illinois, Inc.
  • FL Health Partners, Inc.
  • Doral Administrative Services of FL, Inc.
  • International Dental Plans, Inc.
  • LeakeView Center, Inc.
  • Managed Care of North America, Inc.
  • Medical Air Services Association of FL, Inc.
  • Magellan Behavioral Health of FL, Inc.
  • Mhnet of FL, Inc.
  • RescueCare
  • North Florida Behavioral Health Partners, Inc.
  • SkyMed International (FL) Inc.
  • StarMark Benefits, Inc.
  • SafeGuard Health Plans, Inc.
  • United Concordia Dental Plans of FL, Inc.

Florida Department of Financial Services

For more information on Florida health insurance, you can contact at:

Florida Department of Financial Services (Handles Florida health insurance)
Florida Department of Financial Services
200 East Gaines Street
Tallahassee, Florida 32399-0300

Florida Department of Insurance Regulation

The insurers can contact at:

Florida Office of Insurance Regulations (commissioner)
200 East Gaines Street
Tallahassee, Florida 32399-0305


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