Health Plan One offers more than 100 health insurance plans in Miami Gardens, which is part of Miami-Dade County, Florida. Health insurance carriers that offer individual and family health insurance plans in Miami Gardens include Aetna, Assurant, Cigna, Humana, and United Health One. Enter your ZIP code above to compare the details of the health insurance plans available in Miami Gardens.
Florida offers many options for those looking for individual, family, group or small business health insurance. There are even options available like Florida Medicaid, Kidcare, Cover Florida, and the Discount Drug Program. All of these government programs can help those who are medically uninsurable or who cannot afford private insurance to obtain basic health coverage. We, here at Health Plan One, can help you figure out which category you fall into and help find the plan that best fits your needs.
The Florida Healthy Kids Program (KidCare) was created to help improve access to comprehensive health insurance for Florida’s uninsured children. The program serves as a source of funds by collecting local, state, federal, and family money to pay premiums to commercial health insurers who underwrite the risk associated with the policies. Families who would otherwise be unable to afford the desired coverage can obtain it while paying only a fraction of the premium. Coverage can insure services ranging from preventive care to major surgery. Healthy Kids and Kidcare have open enrollment year-round. Coverage begins after the child’s eligibility has been determined and the first month’s premium has been received, if required. You can learn more at www.healthykids.org or http://www.floridakidcare.org
Cover Florida plans are for applicants between 19 and 64 years old. They need to have gone without coverage for at least 6 months and not be eligible for public insurance programs like Medicaid or Medicare. There can be exceptions to the 6 months of no coverage rule. Having a pre-existing condition will not be denied coverage; however some plans may not pay for treatments of specific pre-existing conditions for the first year. After one year, the plan will cover the treatment. For more details, visit the website: http://www.coverfloridahealthcare.com/
Florida also offers a Discount Drug Card Programs. This is designed to lower prescription costs for Florida residents who are over 60 and without prescription coverage or who fall into the Medicare coverage gap, or who are under 60 and are without prescription coverage and have a family income of less than 300% FPL. More information is available at the website http://www.floridadiscountdrugcard.com/
Florida has a High Risk Pool Alternative called HIPAA. This is available to residents of Florida who are considered medically uninsurable in the private market. Our HIPAA page can help provide more information. http://www.healthplanone.com/hipaa.aspx