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(Revised 5/9/18)
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Heatlh Insurance for Florida Season

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    Heatlh Insurance for Florida Season

    As a New York resident, I am currently on a state-funded healthcare plan (Medicaid plus a marketplace plan). However, I will soon be spending twelve weeks in Florida. Since I will be riding a lot and working on farms when down there, it seems foolish to go there with health insurance that only really covers me in a state that's so far away. However, I will be down there for a short enough time that it would be a hassle to change my state residency and apply for Florida Medicaid only to have to go back on the NY plan in a couple of months.

    That said, I know I don't understand the system very well. I haven't found pages on either state's websites that are helpful, and health insurance is hard (at least for me) to research online or find representatives who can answer my questions. When speaking with people in New York (which does have a good system of healthcare navigators), they have advised me to speak directly with people in Florida, but as far as I have found Florida does not have as easy access to navigators.

    Therefore, I'm appealing to the collective CotH wisdom. I'm hoping that short-term insurance options for seasonal horse workers is something that others on the board have experience with? I am open to help or suggestions for navigating the Florida state healthcare system or for a private insurance situation. What do other people do?

    If it helps, I will not be going down as an employee of one farm or operation, but rather splitting my time between a couple projects (not all horsey, but none FT with benefits). Definitely my only option for health insurance is a plan that I find myself.

    Feel free to reply here or message me directly. I did search for other threads, but couldn't find any that were recent and fully answered this question. If I'm missing any, or if there are helpful resources elsewhere, please let me know! And thanks so much in advance!

    I just saw a post on Facebook about a new health insurance plan that will be available for USEF members, although I haven’t seen any details yet. But you might want to look into it.


      I am not familar with medicaid but you should be able to get care out of state with your marketplace policy, right?


        You might start here:

        Unfortunately you are correct that NY is one of the more restrictive states when it comes to Medicaid and with the exception of some emergency services (and a lot of administrative red tape) their network of providers is limited to in state options. Perhaps your marketplace plan will be more flexible. If not, you could consider buying a short term plan in FL, but be aware that unfortunately, the state no longer requires protections from exclusions based on pre-existing conditions. More info here:

        Good luck
        We move pretty fast for some rabid garden snails.


          Worth a look;
          ... _. ._ .._. .._


            I don't know if that's too long a duration, but the concept of 'travel insurance' comes to mind -- particularly the evacuation coverage. If you get hurt while you're down there, how will you get home and back to your regular doctors where things will be covered? Non-emergency transport isn't always covered by regular health insurance.
            ... with Patrick and Henry


              I agree with WSmoak - research some travel plans- you also need to make sure that whatever plan you get to cover you while in FL, you won't find yourself in some situation where the insurance companies argue who pays or doesn't pay what in case something happens. Here's a link to a company that might have some good information. I also read somewhere that you may be able to get some sort of supplemental insurance.



                Why not try calling FL Blue? Their plans aren't that cheap, but they significantly discount what you eventually end up paying for medical bills. Probably can offer you a better plan then you will get elsewhere.

                FL Blue is a major provider. The other one, United Healthcare has a more limited network. There's Ambetter as well. You could try calling them, but again they may have a more limited network.