florida health insurance for childrenFlorida Health Insurance for Children

The new healthcare legislation, sometimes referred to as "ObamaCare" has effectively eliminated child-only health insurance in Florida. All of the major carriers have discontinued offering this type of plan.

However, we can still write health insurance for children without the need for a parent to be put on the plan. These plans are underwritten by an "A" rated carrier and will provide low-cost coverage for your children until our government can fix the mess they put us in.

We offer child-only health insurance in 20 states. Go to our special health insurance for children website (click link)

PLEASE NOTE: This is the only Florida health insurance plan we are aware of that will permit a child to have health insurance without a parent on the plan.

Florida Health Insurance Plans for Children - What is Available

The way this carrier gets around the new legislation is by using short term insurance. The plans are written for a term of up to 12 months and can be renewed. They require a one day lapse to renew for another 12 months. However, we can give you a plan that will pick up coverage during a lapse. You just need to call us when it is time to renew.

We sincerely hope that the Congress will realize that you cannot pass a healthcare bill without reading it and fix this obvious problem. Nevertheless, in the meantime, you will have multimillion dollar coverage for your kids.

The plan is available in various deductibles from $250 up to $7,500.

How To Get a Quote and Apply (these links will give you quotes without applying)

You can view the plan online, get quotes and/or apply with the following: (click on the link): OR CALL ME AT 800-272-0512



We have a complete website for child-only health insurance. Use this link (click on it): health insurance for children

Features include:

Bulate list Up to $2,000,000 Lifetime Maximum per Covered Person
Bulate list Choice of Coverage Periods of up to 6 or 12 months (12 month option is not available in all states)
Bulate list Doctors Office and Urgent Care Center Visits - $50 Co-pay (Maximum of 3 per Covered Persons)
Bulate list Choice of deductibles - $250, $500, $1,000, $2,500, $5,000, $7,500 or $10,000
Bulate list Coinsurance options of 80% or 50% up to either $5,000 or $10,000
Bulate list Freedom to choose any doctor or hospital
Bulate list Child Only Coverage available - minimum age two years old
Bulate list Foreign Travel (medical care while in a foreign country) covered up to $25,000 (After a $250 benefit deductible)
Bulate list Choose to pay premiums two convenient ways, in a single up front payment for 30 to 180 days, or pay by convenient monthly installments

Optional Benefits - Extra Care Package:

If you sign up for the plan you will see an option on the payment page for the Extra Care Package. This package has some very interesting and useful benefits.

CallMD - You can speak with a physician at any time on the phone for a consultation. In most states, the physician can even call in a prescription for you to your local pharmacy. I am sure you will immediately realize what a cost savings this can be.

Dental Services - This is the Careington Dental Discount plan.

Lab Services - This is a discount program from Direct Labs. They seem to be available throughout the United States and will give you a substantial discount on all lab tests.

24 Hour Nurseline - You can talk to a nurse at any time.

Additional Coverage

While the plan offers complete coverage, you can supplement it with an inexpensive accident plan.

An accident plan pays for medical expenses at the emergency room for accidents or injuries. There is a $100 deductible.

The rates, and remember this will cover everyone in the family; parents and children, are:

$5,000: Family $35.95 per mo. / $7,500: Family $41.95 per mo. / Family $47.95 per mo.

For a direct link, click on Family Accident Plan

What are the special health insurance programs that Florida offers?

Please keep in mind that most of these programs have income limitations. Complete details can be found at www.floridakidcare.org.

Florida health insurance for children - KidCare Medicaid
KidCare Medicaid is a benefits-rich package for eligible children, 0 through 18, whose family income is within certain limits. Children can now enroll in Medicaid through Florida KidCare, with no personal interview involved.

There is no cost to families for KidCare Medicaid. Parents or guardians of enrolled children have different options when selecting a managed care program. They may choose a health maintenance organization (HMO) or MediPass, a primary care case management (PCCM) program. The Choice Counseling program helps families make this important decision.

Title XXI (the federal Child Health Insurance Program) raised the Medicaid income limits for some Florida children. Before Title XXI, teens age 15 through 20 had to be living at or below 28% of the federal poverty level (FPL). After Title XXI, the percentage became 100% of FPL.

Florida health insurance for children - MediKids
MediKids offers the same benefits-rich package as KidCare Medicaid but is not an entitlement program. It is for children ages 1 through 4 who are not Medicaid-eligible. Family income can be up to 200% of the Federal Poverty Level.

A family's monthly premium for MediKids is $15. There are no costs for services. Families have a choice of health care providers and state-contracted HMOs.

Florida health insurance for children - Florida Healthy Kids
Florida Healthy Kids (FHK) is a public/private partnership that provides comprehensive health insurance for school-age children (ages 5 through 18). Younger brothers and sisters of enrolled children are also covered in some parts of the state. Florida Healthy Kids is available in most counties and will soon be statewide.

Most families pay $15 per month per family. Families that earn more than the maximum income may buy FHK insurance at full price - if their children are otherwise eligible.

There is no cost for well-child care. Some services have small copayments, such as $3 for prescriptions and $10 for eyeglasses.

Coverage is provided through commercially licensed insurers.

Florida Healthy Kids does not enroll children all year. It has certain "open enrollment periods" (with deadlines) when new children may enroll. Also, each county can accept a limited number of children. Families should submit a Florida KidCare application right away. If a deadline is past or the program is full and your child is eligible, we will let you know and put your child on the list for the next open enrollment period.

Children's Medical Services Network
The Children's Medical Services Network (CMS Network) is a health plan for children under age 19 with special, on-going health care needs, such as spina bifida, leukemia, diabetes, and behavioral health problems. It provides medical services, therapies, supplies, or equipment.

A monthly premium of $15 is usually required. There is no cost for services. CMS Network physicians, hospitals, and other providers are specially qualified to work with children with special health care needs.

The Behavioral Health Specialty Care Network (BHSCN) works in partnership with the CMS Network to provide comprehensive behavioral health services (mental health and substance abuse) to children with severe needs. Services are delivered by provider networks that contract with the Florida Department of Children and Families.

Additional Links for Child Health Services

Florida Agencies
Florida Agency for Health Care Administration
Florida Department of Health
Florida Department of Children and Families
Florida HealthStat
Florida Health Insurance Study
Florida Healthy Kids
Institute for Child Health Policy

National Sites
Alliance for Health Reform
Children's Defense Fund
Covering Kids
Insure Kids Now

For More Information on any of our plans, call us at 800-272-0512.

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