Reasonable Health Insurance in Florida

FL is my home state, moved away because of following grands to CA and now in Tn. I am glad to hear they have a good, somewhat affordable plan. The one like that here in Tn is still too expensive. People are surprised to hear that I am now paying $110 for Medicare and $40 for the drug supplement. Next year I will be 65 and buy a supplement and that is really going to take a chunk of money. For those of you who think Medicare is free with s.s., it is not and the supplelments vary, but I want one that pays well with little or no copays.

We need affordable insurance for all. I used to work in HR, so I understand the COBRA is much higher than the amount you paid while employed. You are not paying for the employed with the higher COBRA premium. Your EMPLOYER has actually paid the difference. Say the premium is $500 a month, you pay $100 and the employer paid $400. My husband is retiring and if we want to keep the same healthinsurance it will cost $1400 a month for two of us. Right now, it's on $72 a month. Our age (58)
accounts for higher premiums too.

Thanks for the reply…I worked for the county and just find it hard to believe they paid that big a difference. I have heard that the employer pays it. I know our age makes a difference in the premium as I am in the same bracket as you sighhh. Thanks again.

On flquote.com, that guy doesn't have much good to say about this Florida Cover Insurance. But if you need something I figure it is better than NOTHING. I left my husband last Sept 08 and have been maintaining my high risk policy from Missouri and need to obtain insurance in Florida, but without a job I do not have much money to work with so need to find something. At least this sounds affordable. But can I wait till I turn 65 and can get Medicare to get hospital coverage? That's what's scary when we already have medical problems with our disease. I am going to continue to try and find employment but at 58 that is not an easy thing either. :-(

I have been on the Cover Florida plan Option I since August. To give you an idea on savings

My prescriptions cost me nothing…that alone now pays the $61 a month premium.

I needed to see a specialist. His first evaluation would have been $250 I do not have…my actual out of pocket cost was $113.00

My second appointment was to have tests done on my nerves in my fingers, hands etc. Actual cost was almost $1200. My cost will be $400.

They also pay $50 a month towards diabetes supplies as long as you have a script.

Diabetes nutrition with an authorized person is paid for by this

As a diabetic you can have your nails done and corns etc by a Podiatrist.

You are allowed a yearly physical, flu shot, they pay $50 towards the agreed price of the doctor in contract with them. They pay for urgent care if you go there instead of an emergency room unless you really have to go. It doesn't pay for ER etc at least not option one.

Yes, when you have nothing and can now afford to go to a doctor for diabetes I would say that it is worth it. The premium would not pay for the out of pocket cost of the visit so I am very happy.

Would I love an HMO? Absolutely, I say HMO because I always used them and was happy. But for now this is a good thing and open for anyone without insurance ages 18-64. I say $61 because that is for my age group (I am 57)

I took a gamble trying it and it paid off. They even let you pick the payment date out of several. So far knock wood I am happy with the service and find when I call that they are pleasant and professional.

There is a Nurse line to call about anything you want in regard to health questions.

There is Dental included