Comparing Florida health insurance plans online is time consuming, overwhelming, and in many cases inaccurate, as people still lose money on their premiums which they could have saved.
Enter AI (artificial intelligence) PLUS experts’ advise! Call GoHealth at (855) 711-0412 to get free-advice in helping you chose best health/medical insurance for you, at best rate.
Regardless of how many insurance review portals and websites you come across, chosing the best health insurance plan for you in terms of price, network and coverage is always challenging.
For customers, enrolling in a health insurance plan in Florida is confusing and difficult, and seemingly small differences between plans can lead to significant out-of-pocket costs or lack of access to critical medicines and even providers.
Companies like GoHealth combine cutting edge technology with good old fashioned friendly expertise to compare hundreds of plans and find the right one for you.
How much is health/medical insurance in Florida?
If you’re trying to find your best health insurance plan in the state of Florida, you will find many cost-effective options on the Florida health insurance marketplace. In 2020, the average cost of health insurance in Florida is $554 per month for a 40-year-old. Averaging over-all age groups, average cost of health insurance comes to about $203 per person for a major medical individual health insurance plan. Prices will vary and premiums can be reduced if you are in good health.
Currently, Blue Cross Blue Shield and Cigna offer the best rates in the majority of the Florida and is available in almost every county. A plan that most consumers can start looking at is the BlueOptions Silver 1410, a Silver plan which has the smallest premiums in most Florida counties.
What is the Best Health insurance in Florida?
Best Overall in Florida: Aetna
Cheapest Health Insurance in Florida: Florida Blue & Cigna
Best for Fixed-Incomes: Florida Blue
Best for Prescription Coverage: Cigna
Best Network: Aetna, Cigna, Florida Blue
However, some plans may save you more money and still give you better coverage (holds true for both individual & family plans). It’s better to go for customized personal advice by calling (855) 711-0412 or get quotes online.
Buying Health insurance in Florida
Under the Affordable Care Act (ACA) or Obamacare, health insurance can be bought and less costly for everyone, especially to those with the lowest incomes since it helps subsidize costs. Some of the ways you can obtain health insurance coverage is through the Florida exchange, through an employer’s plan, public programs like Medicaid and CHIP, directly from a private insurance provider, or through health insurance marketplaces like GoHealth.
GoHealth has partnership with over 300+ private insurers to assist Florida residents evaluate plans and benefits, and grab considerably better health insurance at the lowest cost.
Below, we review some of the best medical insurance companies in Florida
1.Florida Blue (BCBS) health insurance reviews
Florida Blue is a sub-division of Blue Cross, a well-known national health care provider. Florida Blue offers PPO plans, which provide you with the most freedom to choose your doctors and health care service providers.
This can be quite useful if you have a chronic condition or longstanding relationship with a physician and you don’t want to start out treatment with a new doctor.
Florida Blue gives subsidiaries to aid you in reducing the cost of health care if you’re living on a fixed income. Florida Blue’s ACA-compliant healthplans also incorporate free preventive care like physicals, vaccines and mammograms.
Florida Blue also improved virtual health access for its members, responding to COVID-19. The insurer added no-cost usage of Teladoc for its Medicare Advantage members and waived all copays for all its Affordable Care Act members and many employer group health plan members. Florida Blue Teladoc gives 24/7 virtual health care via phone, video or mobile app for non-emergency medical concerns.
Call & Apply for Florida Blue (BCBS) phone number : (855) 711-0412
2.Cigna Health Insurance Florida reviews
Cigna individual health insurance plans are just some of the cheapest ones that consumers may find on state exchanges throughout all age groups when in comparison with similar policies from competitors. Cigna presently provides four tiers of individual coverage that vary in cost, deductibles and coinsurance benefits.
Cigna’s health care insurance options are cost-effective and will include all ACA-compliant benefits. Four out of 5 people who select a Cigna plan are eligible for some sort of federal subsidy to lower their premium.
Cigna health plans incorporate free preventive care you’ll pay little or nothing for medically necessary vaccinations, health screenings and even some preventive prescription drugs.
You also receive incentivized special discounts on gym memberships, health clubs etc to assist you in maintaining your health.
Cigna can offer really Cheap individual health insurance along with Large variety of provider network choices, however their customer service can be improved.
Call & Apply for Cigna Florida phone number : (855) 711-0412
3.Ambetter from Sunshine Health Florida health insurance reviews
Ambetter Health Insurance is a health plan service provider which offers health insurance products to different insurance companies who then simply sell the plans on state marketplaces. Ambetter insurance policies have some of the most affordable & cheapest rates available when compared to other health insurance plans.
Health insurance plans from Ambetter work best if you prefer basic coverage and member benefits at a cost-effective monthly premium. Nevertheless, the company has subpar reviews and there are better options if you want to be considered for coverage & want great customer service.
Ambetter also experienced an NAIC complaint ratio of 1.12meaning this insurance company has brought in more than the median number of consumers’ grievances based on its size. In Florida, Ambetter plans are marketed as Ambetter by Sunshine Health but are managed and underwritten by CeltiCare Insurance.
Call & Apply for Ambetter from Sunshine Health Florida phone number : (855) 711-0412
4.Bright Health Florida reviews
Bright Health provides sensible, simple and affordable health insurance that links you to top physicians and exceptional care in-person, online and on-the-go. They work with exclusive care partners to create an inexpensive health plan. Overall, their health insurance plans are good and your doctors can work along to help you attain better health.
However, currently they seem to have bad user reviews. Like one user review says: I feel utterly deceived. I was told multiple times that my insurance was accepted at my OBGYN, they switched from Novant to HMG but said they were taking my insurance because of this. Bright Health covered nothing. $0 of my appointment. Next, I went in network and 2 months later during Covid 19 I receive a letter that has them covering 1/4 of the bill in network. The only reason I went was because it was covered.
Call & Apply for Bright Health Florida phone number : (855) 711-0412
Florida Health insurance quotes & comparisons
Ambetter SunShine vs Florida Blue
Ambetter and Florida blue are best options for Florida health insurance. More doctors will accept Florida blue but I’ve had both and Ambetter was fine. Just check to make sure your doctor and pharmacy accept the specific plan. Personally we just went with the cheapest silver plan our dr accepted (Florida blue silver select, no deductible, reasonable out of pocket maximum.
Florida Blue (Blue Cross/Blue Shield of FL) – They have about 43 policies, but many of the plans are either HMO (BlueCare Network) or are with their limited PPO Network known as the BlueSelect network. The only really good network is their National BlueOptions PPO Network. Unfortunately, since they have so many available policies, they are higher priced on their BlueOptions policies.
Cigna vs Aetna in Florida
Service on CIGNA vs Aetna – generally is a game of who gives better service experience and it depends a lot on which group of humans happen to serve your employer’s account, regardless which organization’s business card they carry. I would assert that if top-of-the-line IT systems support of your health coverage is a concern, well, you should be more concerned with Cigna than with the others. This is my highly subjective professional experience, not founded on any objective, dispassionate system audit. – A consumer’s review
I’ve had Aetna, United Healthcare, and Cigna. My Cigna plan was by far the best plan out of those three. Although that may be because the employer who had the Cigna plan had a really good Cigna plan. They had cheaper premiums and covered more.
There are a couple of things I don’t like about Cigna. Firstly, if you’re going to get something major done (like surgery), they want the doctor/clinic to send in paperwork on exactly what’s going to get done and then Cigna needs to approve the procedure before it’s done. This may be par for the course though. I never did that with Aetna or UH.
Secondly, appeal appeal appeal. Cigna is one of those companies that will mark a doctor out of network even though they’re listed on their site as in network. They have also initially denied coverage of medical procedures but after appealing, change their minds. – A consumer’s review
Cigna vs Ambetter
Ambetter gives protection to individuals who don’t qualify for traditional plans while Cigna is positioned as one of the largest and oldest insurance institutions in the country. For Ambetter, Despite the fact that premiums are low for a bronze plan, the out-of-pocket expenses can be quite high. You have more coverage with the Ambetter Balanced Care plan and even more coverage with the Ambetter Secure Care plan, which has larger monthly payments and low out-of-pocket expenses. Cigna’s plans may be better in terms of out-of-pocket expenses.
Florida Blue vs Cigna : Which plan to chose?
Some experts believe that if you have pre-existing conditions, either one is good. If you are going through marketplace ( ACA/Obamacare ) and they’re offering BCBS/Cigna plans with a subsidy (discount based on income), then perhaps chose according to your budget.
If you have no pre-existing and going to get individual or a family plan as well as being relatively healthy, then neither. There might be other options that are significantly better, depending on your case.
I suggest this because those plans are really meant for people that are sick and visit the hospital a lot. They’re going to be mixing you in with people that have pre-existing or people that go to the hospital a lot. In turn it will cause your rates and deductible to be high. This is known as a sick policy.
When compared to plans found on the exchange they accept everyone. However some companies avoid claims by post-underwriting claims. Now not all insurance companies and plans are perfect.
You need to be on a healthy policy which would require underwriting however if you have no pre-existing and are relatively healthy there shouldn’t be a problem getting qualified. Plus premiums are reduced since you are grouped with healthy people only which implies less risk and the coverage is generally substantial.
Cigna vs Humana
Humana has 2 HMO plans and 4 POS/PPO Plans available. They do have plans that have National Provider Networks called the National/POS Network while Cigna Health has gone to five new plans and they are all known as EPO’s, but these EPO plans ALL have No Out of Network benefits. As far as these plans go I would call them all HMO’s because they have no out of network benefits.
Florida Blue vs Humana
Consumer reviews seem to be mixed regarding which is better. Some people say Humana edges out BCBS for one reason: in some states (most notably Florida) Blue Cross Blue Shield does not allow copays for brand name prescription drugs only generics. This makes Humana ahead in the category of health plan, while other consumers believe that Florida Blue has a better customer service and Humana has tendency to deny everything at the onset. However, they are constantly improving.
Bright Health vs Cigna vs Aetna
According to consumers, Bright Health’s network is super restricted and Customer service is not as good as competitors. This makes both Cigna & Aetna ahead of Bright Health in terms of network.
One consumer says- They have zero negotiated rates with providers until you hit your deductible. They list all hospital based primary care doctors, but none of them have openings for new patients. Oscar and Aetna both covered labs from Quest 100%, pre-deductible. I got a bill this year for $700 from Quest and Bright told me, Sorry but I don’t know what else I need to say, we don’t pay anything until you hit your deductible.
Humana vs WellCare Medicare Florida
Humana vs WellCare are popular Medicare insurance providers in Florida.
The available products, benefits, and premiums vary between Humana & WellCare. For Wellcare, we can help you with Medicare insurance. For Humana, you should compare different plans and premiums for Medicare, small group, dental, and vision plans.
Best EPO insurance in florida
Best PPO insurance in florida
Currently, Cigna, Aetna & United HealthCare Blue seem to offer best Best PPO insurance plans in Florida. Some Cigna plans happen to be the best PPO plans out of those three, along with cheaper premiums and more coverage. Call (855) 711-0412 to apply for Cigna, Aetna & UHC.
Best Indemnity Plan (fee-for-service health plans) for self-employed in Florida
Cigna & Aetna seem to offer best indemnity health insurance plans in Florida and you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician. Call (855) 711-0412 to apply for Cigna & Aetna.
Best covid-19 health insurance plans in Florida
Currently, Florida Blue & Cigna seem to offer the best coronavirus coverage related health insurance plans. Call (855) 711-0412 for more expert custom advice.
Individual & Family Major Medical Insurance in Florida
Major medical insurance, often known as health insurance, provides the main type of medical coverage for individuals and families. When something occurs to you, for instance a serious illness or a car accident, the expenses can add up fast. With major medical insurance, you’ll be protected, and you won’t deal with growing medical bills due to an issue outside of your own control.
Your health insurance policy may help save you money on things, such as prescription drugs, doctor’s visits, preventative care, and a number of other medical services.
The plan may include a monthly premium, co-payments, coinsurance, and an annual deductible. Factors, such as your age, gender, and tobacco usage may impact the overall cost of your health insurance policy.
- ^ TS Newswire (tsnewswire.com)
- ^ how AI based health plans selection works (www.allinsuranceinfo.org)
- ^ get quotes online (www.allinsuranceinfo.org)
- ^ responding to COVID-19 (www.ahip.org)
- ^ bad user reviews (www.yelp.com)
- ^ best options for Florida health insurance (www.allinsuranceinfo.org)
- ^ ACA/Obamacare (www.healthcare.gov)
- ^ EPO insurance (www.verywellhealth.com)