Insurance Service Programs in Florida
Along with programs providing healthcare services, Florida
also provides insurance programs for those who cannot afford
medical insurance through traditional private companies. Through
the Florida’s Department of Financial Services, the state
has developed various programs to service the needs of those
under-insured in Florida.
When speaking of the Florida residents who most often do not
have medical insurance, children are one of the highest groups.
That is why the state created the KidCare program. At a minimal
cost, children receive much needed insurance coverage at a rate
dependant on household income.
Medicaid is another program offered by the state of Florida
that benefits children. Not only children, but the program is
applicable to all residents who qualify. To qualify your income
must fall below a certain level designated by the state. The
benefits are offered through the office of children and family
services where more information can also be found about the
specifics of the program.
The state of Florida recently proposed a plan to make minimal
cost insurance plans available for residents who cannot afford
the full coverage plans. These plans, called Health Flex, will
offer basic coverage for those who qualify. These plans can
be offered through a variety of sources: HMOs, private companies,
the government and organizations that specialize in healthcare
services. These plans are a viable alternative to federally
funded plans like Medicaid and Medicare.
However Medicare is a practical option for senior citizens
or disabled individuals who cannot afford the payments of the
Health Flex plans. Medicare offers coverage and prescription
benefits with some restrictions and a minimal cost to the individual.
Another alternative for older Floridians is the SHINE program.
This program provides counseling services to the elderly through
the Department of Elder Affairs. It helps older residents sift
through the many options they have for insurance assistance,
as well as deciphering the “insurance speak” to
help them make an informed decision. The state of Florida offers
a variety of insurance alternative for residents of all ages.