Best Florida Health Insurance Plans For Individuals. A type of insurance called health insurance pays for medical costs related to disease or accident. These medical costs include cover doctor and physician fees, hospital costs, and medication costs.
Health insurance attempts to cover your costs in the event of a medical emergency. Simply put, the insured pays recurring payments to the insurance company, and in exchange, they receive financial assistance.
Table of Contents
Best Florida Health Insurance Plans For Individuals
| Insurance Company Name | Rating |
|---|---|
| Blue Cross and Blue Shield of Florida | 5★ |
| Oscar | 5★ |
| Bright Health | 4.8★ |
| Florida Health Care Plans | 4.8★ |
| Health First Commercial Plans, Inc. | 4.8★ |
| Health Options, Inc. | 4.5★ |
| AvMed, Inc. | 4.5★ |
| Cigna Health and Life Insurance Company | 4.5★ |
| Unitedhealthcare Of Florida, Inc. | 4.5★ |
| Aetna Health, Inc. | 4★ |
Blue Cross and Blue Shield of Florida
For individuals looking for a strong customer experience and a large provider network, Florida Blue Medicare Advantage plans are recommended. Plans are offered all over Florida, however depending on your location, monthly costs may be exorbitant and only one plan option is offered in nearly half of the state.
Florida Blue Medicare costs differ by plan and geography, making some plans more or less expensive than competing plans depending on the location. Only one $52 monthly Florida Blue Medicare Advantage plan is offered in a number of counties.
The majority of members are satisfied with Blue Cross and Blue Shield of Florida. Blue Cross and Blue Shield of Florida received 5 out of 5 stars for overall customer satisfaction from the National Committee for Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
Pros
- Patients who desire a wide network of providers
- Members who require supplemental perks such as transportation and home-cooked meals
- Florida-wide availability of the plans
Cons
- Options for plans, as only one is available in nearly half the state.
- Affordability because prices can vary greatly based on where you live
Oscar
Depending on the metal tier you select and your age, the average Oscar metal-tier costs in Texas range from $312 to $1,103 per month.
Customers who seek the ease of a top-rated mobile app with practical features like virtual health visits may consider Oscar plans. Additionally, the company’s specialized care teams are excellent for customers who desire individualized assistance according to their medical requirements and insurance policy.
A limited number of states have health insurance marketplaces where you can purchase individual Oscar health policies, and the company also offers small business health insurance plans.
On the business website, customers can also browse plans and the network of health insurance providers for Oscar. To assist you in making your decision, the provider search contains interactive maps, reviews, and ratings. Once you join, you can communicate with network providers directly to arrange appointments for medical care.
The majority of members are satisfied with Oscar. Oscar received 5 out of 5 stars for overall customer satisfaction from the National Committee for Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
Pros
- Oscar’s member app for mobile
- A committed, member-centered care group
- Free online primary care appointments
Cons
- Available in certain states but only in certain places
- Consumer contentment
- Absence of dental and vision insurance
- Compared to competing programs, low rates
Bright Health
For people who want to save money on health insurance by having access to a limited provider network and no out-of-network access, Bright HealthCare insurance is the ideal option.
Plans are typically reasonable, and in some places they might even be the least expensive options. The insurance only collaborates with a small number of associated medical centers and clinics in each area it covers, though, as a trade-off. It’s critical to confirm that the insurance carrier accepts patients from medical providers in your area before enrolling.
Additionally, Bright HealthCare has a very high member dissatisfaction rate, which may make it difficult for you to manage your medical care.
Bright HealthCare’s complaint rate is seven times greater than the national average, according to the National Association of Insurance Commissioners (NAIC), and customers gave the business a 4.8 out of 5 rating on the Better Business Bureau (BBB). Poor customer service and claim denial are common concerns.
Plan alternatives and Prices
For people on their own, families, small enterprises, and older citizens, Bright HealthCare offers health insurance policies. You can purchase insurance directly from the provider, through a state-based health insurance marketplace, or through Healthcare.gov and Medicare.gov.
Pros
- Offers PPOs, which are less frequent than HMOs and EPOs in the market, on the ACA marketplace.
- Some Bright HealthCare insurance plans don’t charge a copay to see your primary care physician or for mental health services.
- You may have a virtual meeting with a licensed provider whenever you want with the DocSquad app.
Cons
- Higher than normal number of complaints to state insurance departments.
- Average premiums are higher than average in comparison
The majority of members are satisfied with Bright Health. Bright Health received 4.8out of 5 stars for overall customer satisfaction from the National Committee for Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
Florida Health Care Plans
For 48 years and counting, Florida Health Care Plans has offered superior health insurance options to individuals, families, and businesses in Florida.
- Straightforward, inexpensive, and all-inclusive health insurance coverage
- Assurance that you can rely on a group of dependable, nearby, skilled specialists when you need them most.
- Benefits of comprehensive insurance from a large firm with the attentive, individualized care you deserve
The Care We Provide
The medical staff of Florida Health Care Plans offers:
- Experience – Highly qualified, sympathetic medical staff committed to provide cutting-edge treatment options and the latest technologies in healthcare
- Convenience: FHCP Care Centers, which house doctors, pharmacies, labs, urgent care centers, and more, as well as more than 9000 in-network providers, are all located in one location.
- Trust – Exceptional personalized customer service and worldwide access to care
Florida Health Care Plans complaint rate is seven times greater than the national average, according to the National Association of Insurance Commissioners (NAIC), and customers gave the business a 4.8 out of 5 rating on the Better Business Bureau (BBB). Poor customer service and claim denial are common concerns.
Health First Commercial Plans, Inc.
Mission: To improve the health and wellbeing of underprivileged groups by offering Medicare, Complete Care, Fida, and commercial insurance recipients inexpensive, high-quality health plans.
Programs: Medicare: Healthfirst Health Plan, Inc. (hfhp) is a health maintenance organization that offers access to cost-effective, high-quality care through its network of participating hospitals and providers. Hfhp was incorporated under the state of New York’s not-for-profit law and is licensed under article 44 of the state’s public health law. Members of Medicare Advantage who are medically underserved, elderly, destitute, or disabled can get health care services from Hfhp. About 79 provider groups with hfhp provided services to 165,370 Medicare beneficiaries in 2016.
completecare: Healthfirst Health Plan, Inc. (hfhp) is a health maintenance organization that offers access to cost-effective, high-quality care through its network of participating hospitals and providers. It was incorporated under the state of New York’s not-for-profit law and granted a license under its article 44 public health law. Hfhp offers total care members health care services.
Health First Commercial Plans, Inc. complaint rate is seven times greater than the national average, according to the National Association of Insurance Commissioners (NAIC), and customers gave the business a 4.8 out of 5 rating on the Better Business Bureau (BBB). Poor customer service and claim denial are common concerns.
Also Read: Best Car Insurance In Florida For Seniors
Health Options, Inc.
A national medical sales and marketing company that represents distinctive medical goods and services called HealthCare Options, Inc. Our approach is to provide goods and services that the majority of medical practices can use and profit from.
Health Options, Inc. complaint rate is seven times greater than the national average, according to the National Association of Insurance Commissioners (NAIC), and customers gave the business a 4.5 out of 5 rating on the Better Business Bureau (BBB). Poor customer service and claim denial are common concerns.
AvMed, Inc.
AvMed, Inc. one of Florida’s largest and oldest not-for-profit health plans, offers Medicare Advantage coverage in the counties of Broward and Miami-Dade, Individual and Family coverage in the counties of Miami-Dade, Broward, and Palm Beach, and Employer Group coverage in more than 30 counties throughout the state. Long-term partnerships with well-known employer clients are evidence of AvMed’s culture of service and satisfaction, which routinely outperforms that of its statewide counterparts.
The majority of members satisfied with AvMed, Inc. AvMed, Inc received 4.5 out of 5 stars for overall customer satisfaction from the National Committee for Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
Cigna Health and Life Insurance Company
Cigna a multinational provider of health services committed to enhancing its clients’ health, happiness, and peace of mind. The corporation created in 1982 as a result of the union of Connecticut General Corporation and INA Corporation. Both INA and Connecticut General Life Insurance Company had a long history and a solid reputation in the insurance sector. The Insurance Company of North America (INA) and Connecticut General Life Insurance Company (CG) were both establish in 1792 and 1865, respectively.
Today, Cigna maintains ties with more than 180 million clients and patients across more than 30 nations. The carrier has about 70,000 employees worldwide and its headquarters are in Bloomfield, Connecticut. The financial strength of Cigna, which has yearly revenues of nearly $153 billion, rated A (Excellent) by AM Best.
The subsidiaries of Cigna include the Life Insurance Company of North America, the Connecticut General Life Insurance Company, the Cigna Health and Life Insurance Company, and the Cigna Life Insurance Company of New York.
- The 10 US states of Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia are served by the international health insurance company Cigna.
- AM Best gave it a grade of A (Excellent).
- Cigna has a BBB rating of “A+,” is not certified but has applied, and is currently being evaluated.
Pros
- A financially stable insurance provider is Cigna.
- For the majority of plans, out-of-network approvals are not necessary.
- Members may easily manage their coverage information,
- Access to a home delivery pharmacy, a health information helpline, reward programs, and details on flu shots are just a few of the enticing member benefits.
Cons
- Health insurance from Cigna is not offered everywhere. Some types of additional health insurance plans cannot be coupled with the primary health insurance plan. Customers frequently complain about claims being denied and poor customer support.
The majority of members satisfied with Cigna Health and Life Insurance Company. Cigna Health and Life Insurance Company received 4.5 out of 5 stars for overall customer satisfaction. From the National Committee for Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
Unitedhealthcare Of Florida, Inc.
In 1984, UnitedHealthcare, which had established in 1977, went public. The business’s main office is in Minnetonka, Minnesota. It is AARP’s exclusive supplier of Medicare Supplement coverage. With the exception of Alaska and Louisiana. UnitedHealthcare provides Medicare supplement and prescription drug coverage to more than 7.9 million. Medicare Advantage participants nationwide.
There are many options for your health insurance, including UnitedHealthcare. The Kaiser Family Foundation estimates that in 2022, 28% of Medicare Advantage enrollments made by the company. There numerous different types of plans offered by UnitedHealthcare that address various needs.
Pros
- High average star rating for Medicare
- Certain policies provide supplementary gap insurance.
- Plans for affordable Medicare supplements
- Network of the largest national providers
Cons
- A little under average J.D. Power rating
- Plans for Medicare Advantage are not low-cost.
The majority of members satisfied with UnitedHealthcare. UnitedHealthcare Company received 4.5 out of 5 stars for overall customer satisfaction from the National Committee. For Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
Aetna Health, Inc.
Aetna establish in Hartford, Connecticut, in 1853. In the 1970s and 1980s, the firm started to offer HMO and PPO plans after paying the first Medicare claim in 1966. Aetna, a division of the CVS Health Corporation, currently provides insurance to over 39 million individuals.
Aetna provides individual and family health, employer-sponsored, dental, vision, supplementary, Medicaid, and pharmacy insurance plans in addition to Medicare Advantage programs.
PROS
- There are numerous plans with no monthly cost and/or no annual deductible.
- The Centers for Medicare & Medicaid Services gave it a 5-star grade.
Cons
- Plans that are offered depend on location
- According to J.D. Based on user feedback, Power and Associates’ 2021 Medicare Advantage and Commercial Plan Ratings
- Plan B premiums must be paid
The majority of members satisfied with Aetna Health, Inc. Aetna Health, Inc received 4 out of 5 stars for overall customer satisfaction from the National Committee for Quality Assurance and an A+ rating from the Better Business Bureau (NCQA).
