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Population: 18,089,888
(Source: U.S. Census Bureau)
Uninsured: 3,609,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Florida health insurance policies. Click here to view our registration with the Florida Office of Insurance (We're listed as HBDC). |
Florida has the 3rd highest number of uninsured in the U.S.
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Buying Individual Insurance Policies in Florida
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Florida:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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Alcoholism
Ambulatory Surgery
Ambulance Services
Birthing Centers/Midwives
Bone Marrow Transplants
Breast Reconstruction
Cleft Palate
Dental Anesthesia
Diabetes Self Management
Diabetic Supplies
Drug Abuse Treatment
Emergency Services
Hair Prostheses
Mammogram
Mastectomy
Mastectomy Stay
Maternity Stay
Mental Health General
Newborn Hearing Screening
Orthotics/Prosthetics
PKU/Formula
Second Surgical Opinion
TMJ Disorders
Well-Child Care
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Alzheimer's
Anti-Psychotic Drugs
Autism
Blood Lead Poisoning
Blood Products
Bone Mass Measurements
Cancer Medications
Cervical cancer/HPV Screening
Chemotherapy
Chlamydia
Clinical Trials
Colorectal Cancer Screening
Congenital Bleeding Disorders
Contraceptives
Early Intervention Services
Habilitative Services
Hearing Aid
Home Health Care
Hospice Care
HPV Vaccine
In Vitro Fertilization
Kidney Disease
Long Term Care
Lyme Disease
Maternity
Mental Health Parity
Minimum Hysterectomy Stay
Minimum Testicular Cancer Stays
Morbid Obesity Treatment
Neurodevelopment Therapy
Newborn Sickle-Cell Testing
Off-Label Drug Use
Ostomy Related Supplies
Other Infertility Services
Ovarian Cancer Screening
Port-wine Stain Elimination
Prescription Drugs
Prostate Cancer Screening
Psychotic Drugs
Rehabilitation Services
Smoking Cessation
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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Adopted Children
Continuation/Dependents
Continuation/Employees
Conversion to Non-Group
Dependent Students
Handicapped Dependents
Newborns
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Grandchildren
Non-Custodial Children
Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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Acupuncturists
Chiropractors
Marriage Therapists
Nurse Midwives
Occupational Therapists
Optometrists
Oral Surgeons
Osteopaths
Physician Assistants
Podiatrists
Professional Counselors
Psychiatric Nurse
Psychologists
Public or Other Facilities
Social Workers
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Chiropodist
Dentists
Denturists
Dieticians
First Nurse Assistant
Lay Midwives
Licensed Health Professional
Massage Therapists
Naturopaths
Nurse Anesthetists
Nurse Practitioners
Nurses
Opticians
Pain Management Specialist
Pastoral Counselor
Pharmacists
Physical Therapists
Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Florida.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Florida residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Florida.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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