Florida Individual Health Insurance
College/University Student Health Insurance
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Florida Health Insurance -
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Individual Health Insurance Plans - compare companies, plans and rates
Time Insurance Company Student, Short Term and Individual Health Insurance
Online Quotes -
Previously, this was Fortis/Assurant Health Insurance
There is no charge to the individual for using the services of a licensed health insurance agent—the commission is entirely paid by the carrier. The carrier is prohibited from selling the policy any cheaper if an individual does not use an agent.
As a student in Florida, it is important to have health insurance that works locally to the school. Many students find the health insurance they have either with their parents or on their own will not cover them in Florida or only covers them in an emergency.
You will find individual health insurance plans here that will cover you in Florida and most nationally as well. The different plans offer a range of benefits and costs. What is best for you or your child will depend on what you want to have. Below are links to plans online. The first two links are plans for US citizens and residents. The third link has plans for international students. The Time Insurance, Florida Student Insurance plan below is a guaranteed issue plan which does not cover existing conditions for the first year.
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Affordable Health Insurance Online - instant online quotes, plans from one month to 36 months, simplified underwriting |
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Individual Health Insurance Plans - compare companies, plans and rates instant online quotes, plan descriptions, provider network and applications |
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Health Insurance Plans for International (non US citizens) Students |
Online Quotes for Florida Student Health Insurance Plan From Time Insurance
Time Insurance, formerly Assurant?Fortis, Florida Student Health Insurance is a renewable, individual health insurance for college students of all ages. If you are an undergraduate with nine or more credits or a full-time graduate student, and you are attending a Florida accredited college or university, you are eligible for student select, up to age 63. The application does not ask any health questions. Everyone meeting the above requirements is accepted.
Student Select is ideal if you find yourself in one of the following situations.
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You are no longer eligible for coverage under your parents health plan. |
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Your college or university requires coverage but you find the college-sponsored plan inadequate. |
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You attend school outside an HMO or PPO region |
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Your current health coverage or health insurance plans you have looked at are too expensive |
How Student Select Works
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You choose the deductible that best meets your needs and budget: $250, $500, $1000, $2500 |
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This is not an HMO or PPO so you pick your doctors and hospitals |
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If you change schools, take a semester off or have to leave school, Student Select travels with you. Because Student Select is guaranteed renewable, you can keep the coverage for as long as needed, as long as you pay your premiums. |
Benefits are Paid as Follows
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You pay the calendar year deductible |
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Once your deductible is satisfied, Student Select pays 80% of the next $10,000 of covered expenses |
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Student Select than pays 100% of the remaining covered expenses up to $100,000 for each illness or injury. Your total plan maximum is $1 million. |
Plan Highlights
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Up to $1 million protection, $100,000 per illness or injury |
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Freedom to choose your own doctors and hospitals |
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Semi-private room and board |
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Office visits |
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Emergency care |
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Surgery |
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In-hospital and outpatient services |
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X-rays and laboratory services |
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Home health care |
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Ground or ambulance service |
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Medical equipment and supplies |
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Intensive care |
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Medical evacuation benefit |
Plan Exclusions
It is important to understand that Student Select is not designed to pay for injuries or illnesses that existed prior to your policy effective date. Expenses for these pre-existing conditions incurred during the first 12 months of the policy are not covered. Student Select also does not cover normal pregnancy or childbirth, treatment for infertility, genetic testing or counseling, weight reduction or weight control programs and related surgery, medication to stimulate growth, dental treatment, routine physical exams and immunizations, removal or tonsils, adenoids, custodial care, mental illness, or substance abuse, intercollegiate sports injuries, prescription drugs, free services, intentionally self inflicted injury, cosmetic treatment or surgery, hearing aids, contact lenses, eyeglasses, eye exams, and charges incurred outside the United States, its possessions or Canada. (For plans outside the US, please go to International Health Insurance). Other exclusions as well as other covered services are listed in detail in the policy or certificate you will receive when you purchase Student Select.
Money Back Guarantee
If you are not 100 percent satisfied with the plan, you may return the contract within 10 days of delivery for a full refund. No questions asked!
Rates
To calculate your annual rate multiply the Florida Base Rate by the area factor which is based on the zipcode of the school. Semi annual rates are .55 times the annual rate.
Find the Area Factor of the school by the zipcode of the school (for effective date before 9/1/2002)
Florida (except below)-------1.6
323, 324, 325---------------1.3
330, 331, 332, 333, 340-----2.3
Find the Florida Base Rate below only annual payments are available
| Deductible | |||||
| Age | Payment Mode | $250 | $500 | $1000 | $2500 |
| 17 | Annual | $1174 | $939 | $726 | $513 |
| 18 | Annual | $1190 | $973 | $744 | $529 |
| 19 | Annual | $1224 | $990 | $761 | $544 |
| 20 | Annual | $1258 | $1006 | $778 | $561 |
| 21 | Annual | $1291 | $1040 | $811 | $578 |
| 22 | Annual | $1308 | $1056 | $829 | $593 |
| 23 | Annual | $1341 | $1091 | $845 | $609 |
| 24 | Annual | $1375 | $1108 | $879 | $625 |
| 25 | Annual | $1409 | $1140 | $896 | $641 |
| 26 | Annual | $1441 | $1158 | $913 | $656 |
| 27 | Annual | $1476 | $1191 | $948 | $673 |
| 28 | Annual | $1509 | $1225 | $964 | $705 |
| 29 | Annual | $1543 | $1241 | $998 | $721 |
Multiply the Area Factor by the Florida Base Rate to determine the annual premium. For example, the annual cost for a 21 year old in zipcode beginning with 326 for a $250 deductible plan would be 1.6 X $1291 = $2065.60 (I would suggest comparing this with the Secure STM Plan
To download a brochure, rates and application please click on Brochure (however use the rates above)
Looking at other options or going to school or living outside of Florida check
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Affordable Health Insurance Online - instant online quotes, plans from one month to 36 months, simplified underwriting |
Looking for individual health insurance with copays for doctor visits and prescription card
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Individual Health Insurance Plans - compare companies, plans and rates - instant online quotes, plan descriptions, provider network and applications |
If you need a dental plan for anywhere in the US please check
| CAREINGTON - Discount Dental Program for Individuals and Groups |
For additional dental plans for Florida please check
| Denticare - Individual Dental Program |
If your needs are temporary or short term then you might check
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If you are a US Citizen traveling, studying or working outside the US check
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If you are an International Student traveling, studying or working in the US or anywhere please check
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If you are interested in an individual health insurance plan please check
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John K. Arnold
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address www.floridahealthinsurance.com
E-Mail:
John K Arnold
Phone: 407-592-0311
Fax: 407-386-7053
If outside the US, it is best to e-mail as we can respond more
quickly. Thanks.
Let me know how I can help you.