You may require a Florida temporary medical coverage plan for several reasons. You could be unemployed or have only temporary or part-time employment. Residents also need temporary health insurance in Florida while waiting for long-term coverage to kick in, and it can be a more affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations usually do not offer short-term health insurance. Florida temporary health insurance plans generally allow the policy holder to receive care from any licensed health care provider.

Keep the following three points in mind when you are thinking about buying temporary health insurance:

1. Florida short term medical insurance is intended to provide gap coverage between long-term medical plans. These policy holders should obtain standard health insurance in the future.

2. Temporary health insurance in Florida provides protection against unforeseen illness or injury but generally does not cover preventative care or routine examinations.

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA), which means that insurance carriers in Florida are not required to guarantee an issue or renewal.

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

Gather quotes for Florida temporary health insurance

Coverage rates vary widely but in general, temporary medical insurance in Florida is more expensive than permanent coverage. You should examine rates from a variety of companies.

I recommend: Apply for a customized quote for FL temporary health insurance at Gulf Breeze Insurance, which is licensed to sell insurance in Alabama and Florida.

Examine the available types of Florida temp health insurance

FL temporary health insurance may only cover certain groups of people or medical conditions. It will be helpful to know a plan's intended purpose without needing to study it in detail.

I recommend: Find Florida temporary health insurance plans summarized at Joe Florida Insurance. This site primarily lists plans that are priced for the average person.

Seek personalized quotes on temporary health insurance by zip code

Your quote for temporary health insurance will be more accurate when it is based on personal information. Many websites will send your application form to multiple carriers offering temporary health insurance in Florida.

I recommend: Enter your zip code at PlanRover. You will be directed to fill out an application form, which will be forwarded to individual carriers who will respond with a preliminary quote or a denial of your application. PlanRover is a licensed insurance broker in Florida and Texas.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  You will frequently be able to obtain a second policy for Florida short-term medical insurance after six months if you didn't make any claims under the first policy, there haven't been significant changes to your health and your total coverage for all plans does not exceed one year.
• •  Check any provisions that will extend your coverage beyond the termination date of your policy for short term health insurance. Florida plans frequently cover total disabilities until the treatment is no longer required, the maximum benefit has been paid or a certain date beyond the plan's termination date has been reached. Many plans also provide a fixed benefit for partial disability after the policy's termination date.