The Private Health Insurance Exchange is available to members of the FICPA, spouses, and employees of members. We offer a wide-range of health options from leading providers for you and your family. Everyone is different, and we know that it is important for you to have a variety of health plans to choose from so you can find what works for your lifestyle and financial picture.
2021 COVID-19 Special Enrollment Period: Feb 15 – Aug 15, 2021
Missed out on the annual Open Enrollment Period? You’re in luck! The 2021 COVID-19 Special Enrollment Period has created a rare opportunity to secure ACA-compliant individual health insurance outside of the annual Open Enrollment Period.
Also known as “Obamacare plans”, this type of major medical insurance meets the ACA’s minimum essential coverage requirements. Individuals can enroll for these plans during the annual Open Enrollment Period of November 1 – December 15. (Note: Plans and rates for next year will not be available to view until November 1.)
If you have experienced a Qualifying Life Event (QLE) you may qualify for a Special Enrollment Period that will allow you to enroll outside of the Open Enrollment Period. Watch our QLE webinar replay to learn more.
Also known as “short-term health insurance”, non-ACA plans can be an affordable alternative for individuals who are in good health and don’t need coverage for maternity, mental health, substance abuse, or a preexisting condition. There is no designated enrollment period for these plans — you can apply at any time.
(Note: Non-ACA/short-term health insurance is medically underwritten and does not cover preexisting conditions. The coverage does not meet ACA minimum essential requirements. Availability varies by state.)
No 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, Florida Blue, 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.
Is 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.
We know time is money, especially with attorneys. 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 attorneys 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.
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.
You also have access to special member group pricing on useful benefits such as dental, vision, life, long-term disability, AD&D, ID theft, telemedicine, pet insurance, and more. Plans are offered by some of the best and well-known providers in the U.S. like MetLife, Guardian, Voya, MDLIVE, and VPI.