Florida's New Low-Cost health guarnatee Plans
Recently, a bill was signed in Florida that would help found the creation of a low cost health assurance plan for Florida residents.
Florida's New Low-Cost health guarnatee Plans
Unfortunately, amid all the fanfare, very few habitancy stopped to take a close look at what was assuredly being proposed. Permit me to enlighten you on some of the more foremost aspects of the proposed plan.
First of all, it is not a mandated health assurance plan. In other words, an assurance carrier would have to decide if they even want to generate a plan to sell. This is Not A Plan That The State Of Florida Is Providing. Please understand that Florida is in the midst of an extreme allocation crunch and is not spending a singular dime on this plan. Governor Crist has made that very clear. The cooperation of the health assurance industry will be required to make this work. As of now, there are no plans available.
Second, this is not a major medical plan. If you have a medical emergency and this is your only health insurance, you are in a lot of trouble. It is a minimal plan with a few doctor visits, a physical, maybe some generic prescription coverage (the drugs you already get in Wal-Mart for ) and a few other benefits. Surely, none of you ever belief that you would get a faultless major medical plan for 0 a month.
Next, the plan is for person who has had no health assurance for six months. This means that in their infinite wisdom, Florida's representatives decided that if you lose your job and cannot afford your Cobra insurance, they want you to be without any health assurance at all for at least six months. We have a real brain trust in Tallahassee don't we.
Now, you are assuredly going to love this. The plans are going to sell for about 0 (projected price but who knows) and give you the most minimal of benefits. But that is the cost for an individual. A family will be much more. As a matter of fact, if you have a wholesome family, a original major medical plan with real benefits might be less expensive.
For example, at Flquote a Florida health assurance website a 40 year old male in Pasco County can get an perfect Ppo plan for about 0 a month. We are talking about a faultless multi-million dollar, major medical plan. Not a minimal plan.
Who will this plan help?
I am still trying to form that out. This is supposed to help those of you who cannot get health insurance. But, it will not pay for your costly brand name prescriptions; it will not cover comprehensive hospitalization or costly testing procedures. For those of you who think that dental coverage is part of health assurance - it is not. It will not cover any dental or vision costs.
If you are poor, you are much better off on Medicaid. If you are medically qualified, you will get far more coverage for your money with a original health assurance plan.
Have politicians created a created a, half-way quantum to pander to the voters? Is it "better than nothing"? If you are paying ,800 a year for a few office visits, you have to wonder if it is even worth it.
If you are retention your breath for government sponsored health insurance, chances are you will turn blue and collapse first.
You do have alternatives. There are decent low cost plans ready to Florida residents. There are also guaranteed issue plans with no medical questions that are similar to the plans being proposed. You can find guaranteed issue health assurance plans online.
Clearly, it will be spirited to see if this new proposal yields any inevitable change or does it come to be an practice in futility.
If you are curious in studying more about low cost health assurance in Florida, you can go to Affordable Florida health assurance Plans. To find out more about health assurance plans that have no medical requirements, go to Guaranteed Issue health Insurance.
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