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Individual Carrier List

AFFORDABLE CARE ACT (ACA)

The following are lists of insurers and Health Maintenance Organizations (HMO) who advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing individual health insurance plans under the ACA beginning January 1, 2014. The plans offered by these companies may be available on the Marketplace, off the exchange, or both.

You should visit the federal Marketplace website at www.healthcare.gov in order to determine what plans are available in your zip code. If you are not eligible for advanced premium tax credits or do not wish to take advantage of the tax credit, you can purchase a plan directly from the insurer off the exchange.

The initial open enrollment period is from October 1, 2013, through March 31, 2104. Coverage must be purchased during this time period unless you qualify for a special enrollment period. All coverage is guaranteed issue regardless of health history and there is no pre-existing condition waiting period. For more information about the ACA, please review our Health Care Reform webpage or contact the Department of Financial Services, Consumer Services Division at 1-877-MY-FL-CFO (1-877-693-5236) within Florida or directly at 850-413-3089.

The following companies are currently offering in-state insurance policies:

Company

name

phone Number

website

Catastrophic

plan?

Aetna Life Insurance Company

1-800-694-3258

www.aetna.com/individuals-families.html

Yes

Blue Cross and Blue Shield of Florida dba Florida Blue

1-800-955-2227 or visit a Florida Blue Center

www.floridablue.com
www.floridabluecenters.com

Yes

Celtic Insurance Company

1-800-779-7989

www.celtic-net.com

No

CIGNA Health and Life Insurance Company 1-866-438-2446 www.cigna.com/individuals-families/ No

Freedom Life Insurance Company of America

1-800-387-9027

www.ushealthgroup.com

No

Health First Insurance 1-800-716-7737 www.healthfirsthealthplans.org Yes

Humana Health Insurance Company of Florida

1-877-229-6285

www.humana.com

Yes

Humana Insurance Company 1-877-229-6285 www.humana.com No

Time Insurance Company

1-800-647-9094

www.assuranthealth.com

No

Out-of-state group association certificates are policies that are made available by insurance companies to various interest groups that are not based in Florida. The policy terms and premium rates are not filed with the Office of Insurance Regulation because they are not being sold to a group in Florida. A Florida resident wishing to purchase such coverage may join the group that sponsors the coverage. Out-of-state group insurance certificates must contain the following disclaimer on the front page of the certificate:

"The benefits of the policy providing your coverage are governed primarily by the law of a state other than Florida".

Applications for certificates of coverage offered to residents of this state must contain the following statement on the same page as the applicant’s signature:

"This policy is primarily governed by the laws of [insert state where the master policy if filed]. As a result, all of the rating laws applicable to policies filed in this state do not apply to this coverage, which may result in increases in your premium at renewal that would not be permissible under a Florida-approved policy. Any purchase of individual health insurance should be considered carefully, as future medical conditions may make it impossible to qualify for another individual health policy. For information concerning individual health coverage under a Florida-approved policy, consult your agent or the Florida Department of Financial Services."

To obtain further information please contact the Department of Financial Services, Consumer Services Division at 1-877-MY-FL-CFO (1-877-693-5236).

The following companies offer out-of-state group guaranteed issue policies:

Company name

phone Number

website

catastrophic plan?

UnitedHealthcare Life Insurance Company

Contact insurance agent.

 List of agents is on website

www.uhc.com

No

Updated: 12/23/2013

 

HEALTH MAINTENANCE ORGANIZATIONS AFFORDABLE CARE ACT (ACA)

The following is a list of Health Maintenance Organizations (HMO) that have advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing individual HMO contracts under the ACA beginning January 1, 2014. The plans offered by these HMOs may be available on the Marketplace, off the exchange, or both. You must live in the HMOs approved geographic area in order to be eligible for the plan.

Company name

phone Number

website

Catastrophic

plan?

Aetna Health, Inc.

1-800-694-3258

www.aetna.com/individuals-families.html

No

Av-Med, Inc.

1-800-477-8768

www.avmed.org

Yes

Coventry Health Care of Florida

1-800-862-1901 www.chcflorida.com Yes

Coventry Health Plan of Florida

1-800-862-1901

www.chcflorida.com Yes

Florida Health Care Plan, Inc.

1-800-352-9824

Ask for Marketing

www.fhcp.com Yes

Health Options, Inc. dba Florida Blue

1-800-633-6808 or visit a Florida Blue Center

www.floridablue.com
www.floridabluecenters.com
No

Humana Medical Plan

1-877-229-6285

www.humana.com Yes
Molina Healthcare of Florida 1-888-560-5716 www.molinahealthcare.com No

Preferred Medical Plan, Inc.

1-855-752-6767

www.pmpmarketplace.com Yes
Sunshine Health Plan 1-877-687-1169 ambetter.sunshinehealth.com/ No

Updated:12/23/2013