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INSURANCE INFORMATION

 COVER FLORIDA PLUS is your BEST OPTION if you have been turned down!

Cover Florida Health Access Program Summary

  • Cover Florida gives Floridians access to more affordable health insurance options. Created without tax dollars, it is voluntary for both individuals and employers.
  • Cover Florida Plans were selected by the State of Florida through a competitive bidding process. Six private insurance companies were chosen based on their proposed robust, innovative and affordable health insurance products.
  • Blue Cross Blue Shield of Florida and United Health Care will be available in all 67 Florida counties. In addition, four counties will have further options.
    • Broward County will have two additional options: Medica Health Plan of Florida and Total Health Choice.
    • Miami-Dade County will have three additional options: Medica Health Plan of Florida, Total Health Choice and JMH Health Plan.
    • Flagler and Volusia counties will have one additional carrier, Florida Health Care Plans.

Benefits

  • The six carriers have designed 25 creative Health Insurance Products.
  • Each carrier offers at least two benefit options – one with catastrophic and hospital coverage, and one without. This flexibility gives Floridians more choices in selecting the plan that meets their needs.
  • Cover Florida Plans have a robust set of benefits that include coverage for preventive services, screenings, office visits, as well as office surgery, urgent care, hospital coverage, emergency care, prescription drugs, durable medical equipment and diabetic supplies.
  • Cover Florida gives Floridians the opportunity to choose primary and preventive care instead of costly visits to emergency rooms.

Eligibility for Cover Florida

  • Cover Florida Plans are available to all Florida applicants ages 19 to 64 who have been without health insurance for at least six months – even if there are pre-existing health conditions.
  • Floridians may also be eligible to purchase Cover Florida Plans under the following conditions:
    • Loss of a job that provided employer-sponsored health benefits.
    • Loss of benefits under COBRA.
    • Death of, or divorce from, a spouse who has provided employer-sponsored health benefits.
Cover Florida Plans are portable from one employer to another because they are individual policies. Employers may voluntarily share in the cost of the plan with their employees or may assist employees with a payroll deduction, providing a pre-tax benefit for the employee and a payroll tax break for the employer.