Option Two (the 12 X 3 plan) Explained
For short term temporary Florida health insurance is up to a three year plan. One online health insurance application and you are covered for 12 months that you can renew another 2 times.
There are slightly higher out of pocket expenses than the option above and the limit on medical expense limit is $750,000 (not 2 million).
In essence, if there is a possibility that you will need the short term temporary health insurance for more than one year – take the safe bet (12 X 3).
Click to apply for Option Two Secure 12x3 STM
Compare Them
Option One
The Perfect Solution if you are:
Between health insurance plans
College student or just graduating
Need a COBRA alternative
Part-time or temporary employee
Unemployed or laid off
Special Features:
Choice of any doctor or hospital
$2 Million Lifetime Maximum
per Covered Person
Unlimited re-applies
Payment options:
Pay monthly up to 6 or 12 months of coverage
Single payment discount for 30-180 days
Underwritten by: Standard Security Life Insurance Company of New York,
rated A (Excellent) for financial condition by A.M.
Best Company, as of 06/04. A.M. Best ratings range from A++ to D.M
Option Two
The Perfect Solution if you are:
Between health insurance plans
College student or just graduating
Need a COBRA alternative
Part-time or temporary employee
Unemployed or laid off
Special Features:
Choice of any doctor or hospital
Rx Drug Card -
up to $10 for Generic Drugs
$25 per doctor office visit
$500 Supplemental Accident Option
Choice of $500, $1,000, $2,500, and $5,000 deductibles
Payment Options:
Accept payment by: check, money order, Master Card, Visa, Discover or automatic monthly bank draft
Underwritten by: Standard Security Life Insurance Company of New York,
rated A (Excellent) for financial condition by A.M. Best Company, as of 06/04. A.M. Best ratings range from A++ to D.
Click Here for Option Two - immediate quote, application and brochure.
You must remember
A temporary Florida health insurance plan is - temporary - (short term) If you need Florida heath insurance for a longer period of time you should NOT buy this policy.
A Florida temporary health insurance plan is for the short term. If you should become seriously ill or hospitalized while you are on a temporary health plan, you may probably will not be able to renew it. In addition, you will probably be ineligible for other Florida health insurance plans.
Remember, you can drop a so-called "permanent" plan any time you want.
If you need Florida health insurance for more than three years or so, don't take the chance with a Florida temporary insurance policy.
An important note:
If you apply online you will use a credit card, have the premium taken out of your checking account each month
or prepay. If you do not use a credit card, they will be waiting for a check for the initial premium.
Many folks apply online and never send in the check. If you use a checking account, they want the first month's payment directly from you. They will not draft the initial payment from your account. A credit card is the best way to pay for Florida temporary health insurance.
Our Experience
We have carried short term temporary Florida health insurance plans from many different Florida insurers in the past. Some were liberal with underwriting or could be held for a longer period of time.
We stopped working with them because many of those health insurance plans have either changed their standards or are not available.
So, we are sticking with one Florida insurer that gives us the best rates, the most complete coverage and has been in the temporary short term health insurance business for a long time.
The plans we offer also alow you to choose monthly payments or you can save money by paying yearly.
Some Frequently Asked Questions
What is covered by Temporary Health Insurance in Florida?
Services of licensed
Physicians, Registered Nurses, Surgeons, Assistant Surgeon, and Anesthetist
Prescription drugs
X-rays and laboratory tests
Ground ambulance service
Pre-admission testing
Hospital emergency room services
Hospital services including outpatient department or ambulatory surgical facility services
Hospital room and board and general nursing care while confined in a semi-private room
Intensive care
Chemotherapy and radiation therapy
Intensive, cardiac, burn or other specialized care unit
Physiotherapy
Braces and appliances
Who is eligible to apply for
Temporary Health Insurance in Florida?
You and your spouse ( up to 64 years and 11 months) and your unmarried dependent children (between age 15 days to 19, or 23 if a full-time student) that live with you are eligible to apply for coverage.
To be considered for coverage, proposed Insured's:
Must not have other hospital, major medical, health, governmental, or medical insurance coverage in force that will not terminate
prior to the Effective Date of the plan.
Must not be pregnant or the expectant father of an unborn child on the Effective Date.
Must not have been declined for insurance due to health reasons.
Must not have received consultation or treatment, within the past five years, for any conditions identified on the application.
When does my Temporary Short Term Health Insurance
plan start?
Your coverage begins at 12:01 a.m. (Florida time) on the Policy date listed on the application or the day after the postmark date on your application envelope, whichever is later.
If your envelope is not postmarked by the U.S. Postal Service or the postmark is illegible, your Policy date will be the later of the date you request or the date the short term temporary health insurance company receives the application.
Does Temporary Florida Health Insurance have
a Pre-Existing Condition waiting period?
Yes, pre-existing conditions are not covered.
A pre-existing condition is defined as:
The existence of symptoms within the 12 months immediately prior to the insured's effective date.
Any condition which originates, is diagnosed, treated, or recommended for treatment or for which medication was prescribed
or recommended within the 12 months immediately prior to the Insured's effective date.
