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How to Jibe the System and Get Free Florida Health Insurance

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How to Jibe the System and Get Free Florida Health Insurance

First of all, I know the heading is very eye catching, so please understand that I am doing this because, whenever possible, I like to stick it to the Florida health insurance companies.  There is a way to get multiple free months if you are eligible for COBRA or have individual Florida health insurance

What does this mean, and how do I do it?

It is not a free health insurance policy, and it is not Medicaid.  First of all, whenever I get a call from one of my health insurance clients complaining of a rate increase, the first thing I do is tell them that we are going to stop their electronic payments, if applicable, so that they get a paper bill henceforth instead of having the monthly premium removed from their bank account. 

Assuming that the person is relatively healthy and I can find cheaper health insurance without sacrificing benefits (so far I have been able to do this 90% of the time), I will pinpoint a new Florida health insurance company and a health insurance plan for them that best meets their needs and their budget and apply immediately.  In this example, lets say I get the first call about the increase on August 27th.  So, assuming I am able to stop the bank draft for the month of September, the client will get a paper bill for the period from September 1st to the 30th.  During this period, I instruct the client to not pay the invoice and to not use the health insurance unless it is necessary.


I must take a second here to elaborate on what I mean by necessary.  If you are planning on having a physical, then it is not necessary.  If you have a rusty nail implanted in your head or someone has stolen your kidney then you will be getting no free month, as you should head to the emergency room as soon as you are able to remember how to drive or dial a phone.  Whichever comes first.  Otherwise, it is best to wait to do the physical with the new health insurance coverage after October 1st when the new health insurance policy becomes effective.

Riding the Grace Period or COBRA Election Period

I call this riding the grace period, and it can also be done with the Florida 63 day COBRA election period, if you have already secured a new policy.   Additionally, the payment for our example above is due at the latest by September 30th, after that it is “late.”  Notice that “late,” is different than terminated.  You can actually ride the grace period with your Florida health insurance plan for 60 days before termination, even longer if you are a risk taker though you will probably have to reinstate your policy which is usually just a phone call and a credit card charge away.

How Far Can I Take This Free Florida Health Insurance Scheme, Jeremy?

Really far, if you are creative and risk taking.  Simply pay one month every three months.  January 1st – January 31st, you are accepted by United Health Care and pay for this month, and then ride the grace period until March 31st when your new Aetna policy starts, and then you will pay the month of April and get May and June for free, and on and on.  The caveats are of course that you firstly get approved with the new carrier before you let the other policy terminate for non payment, and that you do not use the health insurance.  Do I recommend this?  Probably not, though I do always take the free 60 days whenever I switch companies which is usually every two years.  I currently have Golden Rule/United Health One in Florida, and am going to switch again in July.  However, if you have a large family, I can see why you’d want to use the method to jump from company to company.

The best part of this scheme is that it has no effect on your credit whatsoever.  No health insurance company checks your beacon score in Florida or anywhere else.  For more information on this Florida health insurance loophole and any other that may apply to you, contact East Coast Health Insurance via email or call (888) 803 5917 to speak with a licensed agent by phone.  We are willing to give you free advice, if needed, as a token of our appreciation to everyone for making our website so gosh darn popular.