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Florida Health Insurance

Residents of Florida have a wide range of options to start or maintain health care coverage despite their employment status or economic status. Along with federal Medicare programs for the elderly and poor, the state also provides Medicaid coverage for lower-income families, children and the disabled. For people looking for additional coverage beyond what is provided by the federal government or the state of Florida, Medigap insurance coverage can fill the void.

While Medicare and Medical are effective for basic treatments, there are many health care costs such as copayments, coinsurance and deductibles. Medigap policies act as Medicare supplements that fill these gaps in coverage. It can be an effective choice for people who have frequent doctor visits. However, Mediagap plans do not cover long-term costs such as nursing homes, vision and dental care, and final expense life insurance.

In addition, the state enacted a new program in 2008 called Cover Florida which is designed to give coverage to more than 3.8 million uninsured residents of the state. Six different individual health care providers have partnered with the state to make certain plans available for free to anyone who has been without coverage for more than six months, regardless of pre-existing conditions. However, the program is not without its critics. Many people feel as though the coverage is too bare-bones to be an effective solution, and even Gov. Charlie Christ, who called Cover Florida the “crown jewel” of his health care reform efforts, admits that the coverage provided is far from “Cadillac” level.

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