CFO Jimmy's Patronis' Seal
Health and Life Insurance

Health & Life Insurance

Family Togetherness

Health and Life Insurance have many benefits that can help maintain your family’s financial stability when faced with unexpected situations. It is important that you understand how insurance can be a financial resource during these times and plan in advance to ensure that you and your family have the coverage you need to reduce the costs of healthcare and offer a form of financial security. The consumer education materials on this page will help you understand the aspects of health and life insurance and help guide you through your decision making process. 


Health Insurance Consumer Education Materials


Health Insurance and Health Maintenance Organizations: A Guide for Consumers

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 - A Guide For Consumers

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

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: The Official U.S. Government Medicare Handbook

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.

Medicare Supplement Insurance: Getting Started

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

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 Consumer Education Materials


Life Insurance: A Guide For Consumers

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 - A Guide For Consumers

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.

 

 

Health & Life Insurance Resources



Florida KidCare Health and Dental Insurance

Florida KidCare

    Florida KidCare offers quality, affordable health and dental insurance for kids. From birth through the end of age 18, Florida children are eligible for head to toe coverage, even if one or both parents are working. Florida KidCare includes free, subsidized and full-pay options based on family income and household size. 

    Florida Department of Health Logo

    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. 

      HealthCare.gov

      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. 

        CMS Centers for Medicare & Medicaid Services

        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)
          SHINE - FLORIDA SHIP - SMP Department of Elder Affairs

          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.

             

             

            Contact Your ICA


            Tasha Carter

            Florida's Insurance Consumer Advocate
            Office of the Insurance Consumer Advocate
            200 East Gaines Street, Tallahassee, FL 32399
            Phone: (850) 413-5923
            Email: YourFLVoice@MyFloridaCFO.com

            Twitter Logo  Facebook Logo   @YourFLVoice

             Twitter   |   Facebook