Florida health insurance is available in a variety of different plans with different coverages.
The good news is there are plenty of choices for you, and ways you can save as well.
Here are some things to remember.
Like in most states, in Florida you can get health insurance coverage from two basic types of plans: Managed care and traditional fee-for-service.
Managed care plans are plans that participate in a network of heathcare service providers.
The plans combine both financing and service in that you typically pay a co-pay, deductible or coinsurance amount while using the services of network providers.
Managed care plans are typically lower cost than fee-for-service, but you are usually limited to receiving healthcare only within the plan's network.
Health Maintenance Organizations (HMOs), Exclusive Provider Organizations, (EPOs), and Preferred Provider Organizations (PPOs) are all types of managed care plans.
With a PPO, you do have the option of using a provider outside of the network, but will pay more for the service than if you used a preferred provider.
With fee-for-service, you can select the doctor, hospital or other healthcare provider and then may be directly billed by that provider.
You willthen submit the bill to the insurance company for reimbursement.
The provider may also bill the insurance company directly and then you pay the provider for services not covered.
Many people like using a fee-for-service plan because it allows them more flexibility in choosing their healthcare.
There is additional paperwork involved because of the reimbursements.
One of the best ways to save on Florida health insurance is to do some comparison shopping.
You should get at least three different quotes and compare not just costs, but coverages and services.
Not all health insurance policies are the same so you'll want to base your purchasing decision on costs, deductibles, copays and coverages.
Quotes for Florida health insurance are easy to find online.
You can visit the Web sites of each company, or go to a comparison Web site for added convenience.
Then you can enter your information once and get several different quotes back.
The good news is there are plenty of choices for you, and ways you can save as well.
Here are some things to remember.
Like in most states, in Florida you can get health insurance coverage from two basic types of plans: Managed care and traditional fee-for-service.
Managed care plans are plans that participate in a network of heathcare service providers.
The plans combine both financing and service in that you typically pay a co-pay, deductible or coinsurance amount while using the services of network providers.
Managed care plans are typically lower cost than fee-for-service, but you are usually limited to receiving healthcare only within the plan's network.
Health Maintenance Organizations (HMOs), Exclusive Provider Organizations, (EPOs), and Preferred Provider Organizations (PPOs) are all types of managed care plans.
With a PPO, you do have the option of using a provider outside of the network, but will pay more for the service than if you used a preferred provider.
With fee-for-service, you can select the doctor, hospital or other healthcare provider and then may be directly billed by that provider.
You willthen submit the bill to the insurance company for reimbursement.
The provider may also bill the insurance company directly and then you pay the provider for services not covered.
Many people like using a fee-for-service plan because it allows them more flexibility in choosing their healthcare.
There is additional paperwork involved because of the reimbursements.
One of the best ways to save on Florida health insurance is to do some comparison shopping.
You should get at least three different quotes and compare not just costs, but coverages and services.
Not all health insurance policies are the same so you'll want to base your purchasing decision on costs, deductibles, copays and coverages.
Quotes for Florida health insurance are easy to find online.
You can visit the Web sites of each company, or go to a comparison Web site for added convenience.
Then you can enter your information once and get several different quotes back.