Florida family health insurance providers offer family medical insurance coverage through employee or other group insurance and may cover the entire family. However, children may need their own health insurance and some insurance companies require a separate policy for each family member.

Family medical insurance in Florida is more expensive than individual health insurance since more people are covered and the scope of the coverage is typically greater. Florida family medical coverage takes factors such as age, gender, tobacco usage and state of residency of each family member into account when determining a preliminary quote.

There are three key points to consider when evaluating family healthcare coverage in Florida:

1. Think about your family’s specific needs. A Florida family insurance plan should include a vision plan for a family with a history of poor eyesight. Likewise, a family that takes a lot of medication will require a prescription plan.

2. Look for any exclusions of services or treatments from the family health insurance policy. FL policies list exclusions in a specific section but there may also be additional exclusions throughout the policy.

3. Be aware of Florida family health plans with a high premium that may provide services that your family does not need.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of family medical insurance in Florida

Family medical insurance in FL frequently covers your entire family unless a family member has a preexisting condition. In this case, the affected individuals may require their own policies. No matter what your family situation is, seek multiple quotes from different providers before you choose a plan.

I recommend: Apply for family health care coverage in Florida by completing the application form at eHealthInsurance, including the census data on your family members and your zip code. The form at InsureMe also allows you to search for quotes by zip code.

Contact a specific agent when looking for family health insurance in Florida

You may want to get family health insurance in Florida through an agent who can make a recommendation based on your specific needs; who has a thorough knowledge of available Florida family healthcare insurance coverage and plans.

I recommend: Go to AgentsWeb.net and enter your zip code or city and state for a list of insurance agents in your area. The Association of Health Insurance Advisors will also allow you to locate health insurance agents.

Get Florida family medical coverage from a specific carrier

Go straight to the carrier for quotes if you have already decided on the carrier and don't have a regular insurance broker.

I recommend: Blue Cross Blue Shield of Florida is one of the largest Florida family health insurance companies. JP Perry Insurance, based in Jacksonville, Florida, provides a wide range of insurance products.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Health maintenance organizations (HMOs) in local clinics are a less expensive option for family health insurance. FL plans also use point of service (POS) and preferred provider organization (PPO) options which are more expensive but more flexible and may be preferred for family members who may need a specialist. You should ensure that your family physician is a member of the POS or PPO network of family health plans in FL before you purchase the insurance.
• •  Review your family health insurance expenditures for the previous year when selecting a new health plan. This may allow you to reduce your premium by increasing your deductible. You can lower a high premium by eliminating coverage for services your family doesn't really need. However, a policy with an unusually low premium may indicate inadequate coverage, difficulty in getting claims approved or slow payment.