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Florida State Health Insurance Article
A federal mandate requires that all 50 states have a health insurance program for children. Each state was allowed to create a plan tailored to the needs of children in that state, but there are some things that are the same from one state to the next. The first is eligibility.
Government funded health programs typically have very stringent income guidelines. These health insurance programs have income requirements, but the criteria allow higher income than most programs.
Another criteria for participation is that the child isn't covered by any other health insurance. That differs from most programs in a very important way. Most programs say that if the family has access to insurance, they aren't eligible. That means that parents who have employer-based insurance don't qualify. But many of the employer-based plans are too expensive, and workers sometimes simply can't afford the premiums. This program is designed to help fill that gap.
These programs don't cover families - only children. But there are some great benefits for those who qualify. Some states offer mental health benefits, transportation to and from appointments and dental/vision benefits.
If your children don't qualify for this program, or if you're in the market for individual health insurance for an adult or private insurance for a family, you have some options. Even though insurance is typically very expensive, you can take some steps to control costs.
You can eliminate extras such as vision and dental coverage, and increase deductibles to lower the cost of your insurance premiums. Look for policies that don't include maternity benefits and cancer plans as more affordable general health insurance plans. Basic coverage will likely be less expensive than an all-inclusive health insurance program.
Finally, shop before you make a decision. Even if you're offered employer-based insurance, you might find a better deal elsewhere (depending on the amount of employer participation). Look to professional groups for discounts and advice.
Florida State Health Insurance News
One-stop-shop for health: Florida Blue opens at Coconut Point
Welcome to the Florida Blue center at Coconut Point, a new retail location for Blue Cross and Blue Shield of Florida, combining modern technology with old-fashioned, face-to-face customer service. The Estero location is the eighth to open in the state as part of the insurance company’s effort to help clients navigate the often confusing world of healthcare.
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Florida House Republicans are planning on keeping a perk for state officials that keeps their health insurance premiums low.
Read more...Low enrollment but high costs for Pre-Existing Condition Insurance Plans
The Department of Health and Human Services (HHS) reported in January that as of November 11, 2011 there were 44,852 people enrolled in state-level Pre-Existing Condition Insurance Plans (PCIPs) created by the Affordable Care Act (ACA), up from 8,011 a year earlier.?? The Centers for Medicare & Medicaid Services had predicted PCIP enrollment of 375,000 ...
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Read more...Why is Florida losing millions in fed money to insure kids?
More than a half-million children lack health insurance in Florida — even as the state is losing out on millions in federal dollars to help them.
Read more...Martin County Taxpayers Association: Florida Legislature should target state health insurance, retirement plans to ...
The 2012 Legislature has begun. Among the issues to be dealt with are some recommended by Gov. Rick Scott. Among the most important are funding education and state health care programs. We wholeheartedly agree with those objectives, and here are more issues we believe are critical.
Read more...Why is Florida losing out on federal money to insure kids?
More than a half-million children lack health insurance in Florida — even as the state is losing out on millions in federal dollars to help them.
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