Florida, with a population of about eighteen million, ranks as the fourth most populous state of the United States.  It is home to a large population of senior citizens and also has many Hispanic and Haitian people living within its borders.  Because of this ethnic diversity, finding Florida HMO health insurance sometimes becomes challenging.

Florida HMO health insurance provides service in exchange for premiums paid by its members.  Unlike the approach of commercial insurers, in which subscribers are sent bills for services from doctors and then reimbursed by the company, HMOs provide services from pre-paid medical providers within their system.  Subscribers typically do not get a bill for services since the HMO pays the medical subscribes directly.

A wide range of services are provided by Florida HMO health insurance plans.  Usually included are hospital visits, emergency care, and routine doctor visits.  Subscribers to an HMO pay a fixed fee every month instead of paying for services when they need them.  In an effort to reduce costly hospital admissions, HMOs stress preventative care.  Both types of insurance plans, individual and group, offer HMOs. Individual HMO plans are purchased by one person and coverage typically includes that person and his immediate family.  Group HMO plans are purchased by an employer or the head of an association, who then affords coverage to the employees or members of the association.

Federal funding was provided to the Florida HMO health insurance system under the Health Maintenance Act of 1973.  This act requires that employers who have 25 or more employees offer enrollment in an HMO if they provide health benefits to their employees. » Read more: Florida HMO Health Insurance