Family Health Insurance in Florida
Most family insurance policies fall under two categories.
The first type is individual health insurance. With this type of policy, a single individual applies for the insurance. That person must show evidence that he or she is insurable. The individual who purchases the insurance can also choose various options that the company offers, and can also determine the levels of benefits that he or she wants. The cost of family health insurance in Florida depends on many different factors, such as age, sex, state of health, pre-existing conditions, deductible, and type of coverage sought. A person applying for insurance who has a hazardous occupation or a dangerous hobby may be rejected by the company or may be required to pay a higher premium.
The second type is group health insurance. Employers and associations become the policyholders and extend insurance coverage to the members of the group. The policyholder of group insurance may pay the entire premium himself, or he may require the members of the group to contribute a percentage of the costs. Unlike individual health insurance, no proof of insurability is required for group health insurance.
In the state of Florida, a newborn child is automatically covered by health insurance if the insurance is in effect at the time of birth. If the child is born to the subscriber or the spouse of the subscriber, the child will generally be covered until age eighteen. However, if the child remains in school, coverage may be extended to age twenty-three to age twenty-five. If the child is born to a family member that is not the subscriber or the spouse, then health insurance coverage for the child expires after eighteen months.
Finding family health insurance is best done by using a health insurance search engine, which quickly sorts through hundreds of Florida policies and categorizes plans according to cost, deductible, type of plan, name of the company, and other factors. Locating and purchasing family health insurance in Florida is fast and easy this way.
The first type is individual health insurance. With this type of policy, a single individual applies for the insurance. That person must show evidence that he or she is insurable. The individual who purchases the insurance can also choose various options that the company offers, and can also determine the levels of benefits that he or she wants. The cost of family health insurance in Florida depends on many different factors, such as age, sex, state of health, pre-existing conditions, deductible, and type of coverage sought. A person applying for insurance who has a hazardous occupation or a dangerous hobby may be rejected by the company or may be required to pay a higher premium.
The second type is group health insurance. Employers and associations become the policyholders and extend insurance coverage to the members of the group. The policyholder of group insurance may pay the entire premium himself, or he may require the members of the group to contribute a percentage of the costs. Unlike individual health insurance, no proof of insurability is required for group health insurance.
In the state of Florida, a newborn child is automatically covered by health insurance if the insurance is in effect at the time of birth. If the child is born to the subscriber or the spouse of the subscriber, the child will generally be covered until age eighteen. However, if the child remains in school, coverage may be extended to age twenty-three to age twenty-five. If the child is born to a family member that is not the subscriber or the spouse, then health insurance coverage for the child expires after eighteen months.
Finding family health insurance is best done by using a health insurance search engine, which quickly sorts through hundreds of Florida policies and categorizes plans according to cost, deductible, type of plan, name of the company, and other factors. Locating and purchasing family health insurance in Florida is fast and easy this way.
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