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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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Health Insurance News in Florida
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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