Employer Health Coverage in Florida
Whether you are new to shopping for insurance or are a seasoned veteran, knowing about the various types of health coverage in Florida can help you make more informed choices. Employers often offer their employees a choice of health insurance between HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and indemnity (fee for service) insurance plans. There is no one health insurance plan perfect for everyone and you should consult your Human Resources Director for more information to help you decide.
Health Savings, Spending, and Reimbursement Accounts
Now Floridians can set aside funds for those medical expenses that are not fully covered by their standard health insurance. Allotting a small amount of your paycheck each period can put enough in your health account to afford that LASIC procedure or other treatment that your standard Florida health coverage may not fully compensate. Another benefit you can derive from choosing one of these accounts is that the funds you accumulate are usually tax-free.
High Risk Health Insurance
Florida operates a high risk health insurance pool for those individuals who may be refused by traditional health insurers due to pre-existing health conditions. Individuals who have pre-existing medical conditions may obtain health coverage through their Florida high risk insurance pool. It may mean that an individual will have to pay upwards of $1000 deductuctible, but even that amount may seem insignificant compared to what they would have to pay for treatment for their condition out-of-pocket.
Childhood Immunization and Nutrition Programs
Parents of children living in Florida are blessed with a wealth of health-related information, advice, and immunizations to protect their children from dreaded childhood diseases like polio, diphtheria, whooping cough (pertussus), and tetanus. Along with immunizing children against these illnesses, physicians are in an all-out battle against obesity and Type 11 Diabetes by enforcing a program of good dietary habits for children and adults. It is only by attacking the problem before it becomes pandemic, can Florida health insurance do its most important work: put Florida families on the right track guarding their health, and developing healthy lifestyles.