Miami Florida Health Insurance
Most health insurance policies offered in Miami can be divided into two types. The first type is group insurance. Group policies are usually taken out by an employer or the head of an association, and then coverage is afforded to the members of the group. When enrolling in group insurance, members must take the insurance as it is offered and cannot choose any options, such as the amount of the deductible, or the amount of insurance. All members of the group must be insured equally.
The second type of insurance is called individual. This type of health insurance, as the name suggests, is taken out by one person. The coverage is for one person only, but some Miami Florida health insurance companies offer to cover the spouse and children too. When this happens, it then becomes known as a family plan. Newborn children are covered from the time of birth as long as coverage was in effect before the birth. Coverage lasts until age eighteen if the child was born to the policyholder or spouse, but this is increased to age twenty-three to age twenty-five if the child stays in school. A child born to a covered family member other than the subscriber or spouse is normally covered for a period of only eighteen months.
The policyholder chooses different options when he or she enrolls. Some options include the amount of the deductible, the type of plan, the amount of coverage, and the amount of the co-payments. Another big option is the choice of the insurance company itself.
The cost of health insurance in Miami Florida depends on several factors. Some of these are age, sex, health status, past health conditions, type of employment, hobbies and family history. Having a dangerous job for example, will likely increase the monthly premium one has to pay, because of the increased risk to the insurance company.
The best way to search for Miami Florida health insurance is to use a special search engine that automatically sorts through the hundreds of plans available in Miami and allows you to categorize them according to cost, deductible, type of plan, etc. and then compare them side by side. This makes buying health insurance in Miami Florida fast and easy.
The second type of insurance is called individual. This type of health insurance, as the name suggests, is taken out by one person. The coverage is for one person only, but some Miami Florida health insurance companies offer to cover the spouse and children too. When this happens, it then becomes known as a family plan. Newborn children are covered from the time of birth as long as coverage was in effect before the birth. Coverage lasts until age eighteen if the child was born to the policyholder or spouse, but this is increased to age twenty-three to age twenty-five if the child stays in school. A child born to a covered family member other than the subscriber or spouse is normally covered for a period of only eighteen months.
The policyholder chooses different options when he or she enrolls. Some options include the amount of the deductible, the type of plan, the amount of coverage, and the amount of the co-payments. Another big option is the choice of the insurance company itself.
The cost of health insurance in Miami Florida depends on several factors. Some of these are age, sex, health status, past health conditions, type of employment, hobbies and family history. Having a dangerous job for example, will likely increase the monthly premium one has to pay, because of the increased risk to the insurance company.
The best way to search for Miami Florida health insurance is to use a special search engine that automatically sorts through the hundreds of plans available in Miami and allows you to categorize them according to cost, deductible, type of plan, etc. and then compare them side by side. This makes buying health insurance in Miami Florida fast and easy.
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