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Florida Health Insurance Coverage Basics

When it comes to Florida health insurance coverage, it is important to make sure all the basics are covered. Understanding Florida health insurance coverage basics can get you headed in the right direction when you need to purchase health insurance for you and your family.

Once you read through this quick guide then be sure and compare quotes for Florida health insurance instantly from competing companies by using the box at the top of the page.

There are three important facts to consider to better understand the basics of FL health insurance coverage.

Fact #1: You Can Find Health Insurance Coverage  in Florida

Finding health insurance in Florida can be easy. There are many companies that are registered with the Florida Office of Insurance. These companies are held to a strict standard by the State of Florida, which ensures you have a layer of protection, if needed. If fact, you can use the comparison tool on this page to compare quotes on Florida health insurance from top companies. This tool is not sponsored by any insurance company, so it’s unbiased, and can help you compare prices and coverage.

If you don’t think you can afford health insurance in Florida, think again. Through a program called Cover Florida, access to affordable quality health care is given. Many top companies work with the State of Florida to offer coverage at an affordable price. This is not free health care, but affordable health insurance with reputable companies.

If you are new to the state of Florida, comparing rates is a great way to get an idea of what your coverage will cost. Both the type of coverage and cost of coverage may vary greatly from the state you formerly lived in. Our comparison tool will give you information from several top companies making your transition to a new state easier. If you still have questions after using the tool, you can speak with one of our qualified agents.

Fact #2: Florida Regulations Protect the Insured

The State of Florida has regulations that must be followed. Any agent that is licensed to sell health insurance in the state must continue their insurance education. State regulations require agents to complete 24 hours of insurance education every two years. This can be done through conferences, classes, corporate training, the Internet, and more. This ensures that agents are familiar with any state regulations that change or begin making sure customers have the most knowledgeable agents.

Florida also has a regulation called the Guaranteed Renewability Clause. This clause provides for those who are insured to keep their coverage through renewal no matter what conditions or aliments have changed. The only stipulation is that no fraudulent actions on the insured’s part have taken place. Basically, your coverage can’t be dropped or not renewed because of your health condition. This gives those covered by Florida health insurance peace of mind.

The Guaranteed Renewability Clause does not mean that an insurance company has to give a policy to anyone, regardless of physical condition. Companies can still exclude certain pre-existing conditions. Insurance ompanies differ in how long a condition must be present to be pre-existing. This is something you can find out from all the companies you are considering, if you have a pre-existing condition. This makes it all the more important to keep and maintain FL health insurance coverage without a lapse.

Fact #3: Comparing Different Companies Can Help You Find the Best Deal

Florida has many different insurance companies to choose from when it comes to health insurance. Shopping around will allow you to find the company that best meets your needs. You will often find the best deal for your health insurance premium and coverage by looking at different companies and seeing what each one has to offer. You can use our quote comparison tool found on this page which allows you to view quotes from all the top companies, and call our agents for help figuring things out. Comparing quotes and coverage from different companies is the best way to find a great deal.

Once you find a company, you should still shop around at least once per year. If you find another company offering better coverage or better rates, you can ask your company to match another quote on coverage. Staying informed about current rates and coverage options makes you a smart consumer and ensures you will continue to get quality health insurance in Florida that you can afford.

Whatever your health insurance needs are, knowing these Florida health insurance coverage basics can help you find the coverage you need at a price you can afford. You can rest assured that you can find coverage in Florida, Florida regulations protect you as a consumer, and shopping around can help you find a great deal.

Remember to use the free comparison quote tool on this page to compare costs and coverage and get the insurance plan that works for you and your family today. Get started comparing Florida health insurance coverage options online today!