Health Insurance for FMA Members

The Private Health Insurance Exchange is available to the Florida Medical Association members, spouses, employees of members, and medical students. Shop for health plans from leading providers.

2019 COVERAGE
Open Enrollment for 2019 ended on 12/15/18. Still need coverage? You may qualify for a Special Enrollment Period if you’ve experienced a qualifying life event (QLE). To find out if you qualify, or to enroll in a short-term health plan, fill out the form below.

2020 COVERAGE
Open Enrollment for 2020 runs from 11/1/19 to 12/15/19. Plans and rates for 2020 will not be available for viewing until 11/1/19. Plans sold during Open Enrollment have an effective date of 1/1/20. If you miss the 12/15/19 enrollment deadline, you won’t be able to receive ACA-compliant coverage in 2020 unless you qualify for a Special Enrollment Period.

Health Shopping Steps
HAVE A QUESTION ABOUT ENROLLING OR NEED HELP?

View our Get Help page for answers and to schedule an appointment with a Benefits Counselor.

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Why shop for individual health insurance on the FMA Member Insurance Marketplace?

plan-compareNo need to jump to multiple websites to compare plans. Members now have an easy way to evaluate every available plan from leading companies like Aetna, Humana, UnitedHealthCare, and Cigna.  On renewal, you’ll have the ability shop and compare your plan with the most up to date health plan options to ensure that you always have the most competitive coverage.

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UX_4aIs it possible to have more options and keep the decision process easy? Absolutely, this is where our private exchange thrives with the “Best Fit” tool. “Best Fit” is much more than an interactive decision support tool. It’s a whole new approach to insurance shopping, helping you make a more informed and personalized decision across a range of plans – all through an engaging experience. “Best Fit” guides you through the buying process by asking a few simple questions and then suggesting the plan that best fits your individual needs. Matching your requirements with the most suitable deductible, coinsurance, copays, prescription drug coverage, and provider network can dramatically reduce your total out of pocket costs and save you money.

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We know time is money, especially with physicians. From basic questions to in-depth consultations, it’s important to have a live person awaiting your call when you need help. It’s also important to work with an advisor that takes the time to develop specific knowledge about you and your family. Our dedicated team of Benefits Counselors are specially trained to work with physicians and can provide you with expert advice about each health plan. They have already helped thousands of members with common inquiries like checking provider networks, making sure prescription drugs are covered, and explaining difficult to understand insurance jargon.

If you’ve ever had an issue with your coverage and had to deal directly with your insurance carrier, you know how valuable it is to have an advocate on your side. Billing errors, lost ID cards, problems with claims, and changes in your family status are all common occurrences that require time and effort. Instead of spending your valuable time waiting on hold, let us do the heavy lifting. Our Service Team has “premier” level access to insurance company service departments. Sometimes you just have to get through to the right people to get your issues resolved and we are experts in that area.

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The leading health insurance providers in the state of Florida all participate on the exchange. All health insurance plans and rates are regulated by the Florida Department of Insurance. You will not find better pricing with any of these providers, even if you purchase directly from the carrier. The private exchange can also help you determine if you’re eligible for a government subsidy and assist you when applying.

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You also have access to special member group pricing on useful benefits such as dental, vision, life, long term disability, AD&D, ID theft, pet insurance, and more. Plans are offered by some of the best and well known providers in the U.S. like MetLife, Guardian, Voya, Lifelock, and VPI.

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Getting the Most out of Open Enrollment

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Upcoming 2020 Individual Health Insurance Open Enrollment Webinar

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Knowing Your Options Outside of Open Enrollment

While the annual Open Enrollment period focuses on ACA-compliant individual major medical insurance, there are still other forms of insurance available for potential enrollees. Knowing Your Options According to healthinsurance.org, “ACA-compliant coverage refers to a major medical health insurance policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare)…This means they …