Florida health insurance

Florida Health Insurance


Florida health insurance

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Florida Temporary or Short-Term Insurance Plans

Florida temporary insurance can be an ideal solution for many situations. These are full major medical plans without the restrictions of a network. The underwriting is somewhat relaxed when compared to traditional PPO or HMO plans and they can be issued within 24 hours. Some companies will even bind insurance the same day you apply.

There are some drawbacks to these plans but when used properly they are hard to beat.

Use this site to explore the pros and cons of Florida temporary health insurance plans.


Florida Temporary Health Insurance - Complete plans?

It is important to understand that Florida temporary health insurance plans are not limited products. They are complete major medical plans and will provide excellent coverage if you need it. However, they do not offer some of the options that are available with a full PPO or HMO plan. For instance, they do not have copays for doctor visits or prescriptions and do not have maternity or accident supplements. They were not designed to be a permanent replacement for other types of insurance.

Simplified Underwriting

Florida temporary health insurance plans use simplified underwriting and are usually easier to obtain than other plans. Some do not have height or weight questions and their look back for preexisting conditions is from three to five years.

The reason they are so liberal in underwriting is because they do not have long term risk. They will eliminate anyone with a recent serious illness and know that they will relinquish financial responsibility within a year or less.

The Downside to Florida Short Term Plans

While they are very convenient to obtain, Florida temporary health insurance plans do carry some risk.

FIrst of all, if you develop an uninsurable condition while owning these plans, you will not be able to renew them. Although, they do count as credible coverage towards HIPPA.

Second, they are no networks to control costs. While the plans pay usual and customary charges, the hospital is free to charge whatever they please. We suggest that you look into an inexpensive PPO network card when purchasing these plans. It is not an absolute necessity, but it offers additional protection and can save you money in the long run.

Our Two Cents

Temporary health insurance is designed for short-term use. If you hold on to it for too long and your are hospitalized, you will not be able to renew it. Use it where your needs are truly temporary.

If you know exactly how long you need the plan for, you can save money by pre-paying the whole premium.

For a fast and simple online quote, use this link:Florida Temporary Health Insurance.

This plan is good for up to six months and can be renewed (if you are healthy) until you are 65. They sell thousands of these plans and stand behind them.

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