Health Insurance and Health Maintenance Organizations Guide

This toolkit provides an overview of health insurance including types of coverages, factors to consider when comparing health care options and tips to follow when selecting a policy. It also includes an extensive glossary to ensure you understand the terminology in the health insurance industry. 

Review the Department of Financial Services' Division of Consumer Services' toolkit in English. 

Long-Term Care 

Long-term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from a prolonged illness, disability or cognitive impairment. This care includes services provided by home health care agencies, adult day care centers, traditional nursing homes and continuing care retirement communities.

Review the Department of Financial Services' Division of Consumer Services' toolkit in English.

Health Care Reform & You: Your Guide to the Affordable Care Act

Do you have questions about the Affordable Care Act (ACA) and how it impacts you? This guide outlines the Affordable Care Act (ACA) including eligibility, the enrollment process and additional resources to help you in the decision process. 

Review the Department of Financial Services' Division of Consumer Services' toolkit in English or Spanish. 

Medicare & You 2024

The official U.S. Government Medicare handbook: Summary of Medicare benefits, coverage decisions, rights and protections, and answers to the most frequently asked questions about Medicare.

Review the Centers for Medicare & Medicaid Services (CMS) guide in English and Spanish.

Medicare Supplement Insurance: Getting Started

Original Medicare pays for many, but not all, health care services and supplies. Medicare Supplement Insurance (Medigap) policies, sold by private companies, can help pay for some of the costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. This official Medicare guide is an overview of Medicare Supplement Insurance policies.

Review the Centers for Medicare & Medicaid Services (CMS) guide in English and  Spanish.

Choosing a Medigap Policy

The Choosing a Medigap Policy is an official guide from the Centers for Medicare & Medicaid Services for individuals who are considering purchasing a Medicare Supplement Insurance (Medigap) policy or looking to understand how their Medigap policy works. The information includes Medigap policy coverages, your rights to buy a Medigap policy and guidance on how to buy a Medigap policy. 

Review the Centers for Medicare & Medicaid Services (CMS) guide in English and  Spanish.

Life Insurance

If you are planning to purchase or make changes to your existing life insurance policy, reviewing this comprehensive guide is a great step in empowering yourself with the ability to make the best financial decision for your family’s financial planning goal. Topics include: types of life insurance, 

Review the Department of Financial Services' Division of Consumer Services' guide in English.

Annuities

If you are planning to purchase or make changes to your existing annuity contract, reviewing this guide is a great step in empowering yourself with the ability to make the best financial decision for your family’s financial planning goals. Learn about the types of annuities available, common annuity product provisions and considerations before buying an annuity.

Review the Department of Financial Services' Division of Consumer Services' guide in English.

Florida Department of Health

---

The Florida Department of Health works to protect, promote and improve the health of all people in Florida through integrated state, county and community efforts. They offer an extensive variety of program and services for Floridians of all ages. 

• Programs and Services
• County Health Departments Location Finder

HealthCare.gov - Health Insurance Marketplace®

---

HealthCare.gov is the federal government's Health Insurance Marketplace® for individuals to shop for and enroll in health insurance. 

• HealthCare.gov
• Phone: 1-800-318-2596 (TTY: 1-855-889-4325)

Centers for Medicare & Medicaid Services (CMS)

---

The Centers for Medicare & Medicaid Services (CMS) is part of the Department of Health and Human Services (HHS) and provides health coverage to more than 100 million people through Medicare, Medicaid, the Children's Health Insurance Program, and the Health Insurance Marketplace.

• CMS.gov
• Phone: 1-800-633-4227 (1-877-486-2048)

Florida SHINE (Serving Health Insurance Needs of Elders)

---

SHINE (Serving Health Insurance Needs of Elders) is a free program offered by the Florida Department of Elder Affairs and your local Area Agency on Aging. Specially trained volunteers can assist you with your Medicare, Medicaid, and health insurance questions by providing one-on-one counseling and information. SHINE services are free, unbiased, and confidential.

• www.FloridaShine.org
• Phone: 1-800-96-ELDER (1-800-963-5337)