Health Insurance

Comprehensive Health Coverage for You and Your Family

Access quality healthcare with affordable health insurance plans. Individual, family, and group coverage options available in Miami and throughout Florida.

$250

Plans Starting At

50K+

Network Doctors

Preventive Care

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Major Medical Coverage

Prescription Drug Coverage

Pre-existing Conditions Covered

Family Plans Available

Coverage Options

Health Insurance Plans That Fit Your Needs

Choose from individual, family, or group plans with comprehensive benefits

Individual Plans

Comprehensive coverage for individuals with flexible options and nationwide network of healthcare providers.

Doctor visits covered
Preventive care included
Emergency services
Prescription coverage
Mental health services

Family Coverage

Protect your entire family with one comprehensive plan. Save money while ensuring everyone gets the care they need.

Cover spouse & children
Pediatric care
Maternity coverage
Family deductibles
Vision & dental options
Save up to 30%

Group Plans

Employer-sponsored health insurance for businesses. Attract and retain top talent with excellent benefits.

Small business plans
Competitive rates
Easy enrollment
Tax benefits

Hospitalization

Coverage for hospital stays, surgeries, and emergency care. Protection from high medical bills when you need it most.

Inpatient care
Surgery coverage
ICU & critical care
Emergency room visits

Prescription Drugs

Affordable access to medications with tiered coverage for generic and brand-name prescriptions.

Generic drugs
Brand medications
Specialty drugs
Mail order options

Mental Health

Mental health services including therapy, counseling, and psychiatric care with no stigma or barriers.

Therapy sessions
Psychiatric care
Substance abuse treatment
Telehealth options

Why Covera Insurance

Your Health Insurance Advocates in Miami

Navigating health insurance can be confusing. We simplify the process and help you find the perfect plan for your needs and budget.

Largest Provider Network

Access to 50,000+ doctors and specialists throughout Florida. Find quality care near you.

Affordable Premiums

Competitive rates and subsidy assistance to make health insurance affordable for everyone.

Telehealth Services

Virtual doctor visits from anywhere. Get care without leaving home, often at no cost.

Personal Support

Dedicated insurance advisors to help with claims, find providers, and answer your questions.

Get Your Free Quote

Request a Quote

Fill out this form and we'll get back to you with a customized insurance solution.

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FAQ

Frequently Asked Questions

Everything you need to know about health insurance

When can I enroll in health insurance?

Open enrollment is typically November 1 - January 15. You can also enroll during a Special Enrollment Period if you have a qualifying life event like marriage, birth, or loss of coverage.

What is a deductible?

A deductible is the amount you pay for covered health services before your insurance starts to pay. Higher deductibles usually mean lower monthly premiums.

Are pre-existing conditions covered?

Yes! All ACA-compliant plans must cover pre-existing conditions. Insurers cannot deny coverage or charge higher premiums based on health status.

What's the difference between HMO and PPO?

HMO plans require you to use network providers and get referrals to see specialists. PPO plans offer more flexibility but usually cost more.

Do I qualify for subsidies?

You may qualify for premium tax credits if your household income is between 100% and 400% of the federal poverty level. We'll help you determine your eligibility.

Is preventive care covered?

Yes! All ACA plans cover preventive services like annual checkups, vaccines, and screenings at no cost to you.

Can I keep my current doctor?

It depends on the plan. We'll help you find plans that include your preferred doctors and hospitals in their network.

What if I need to see a specialist?

HMO plans require a referral from your primary care physician. PPO plans allow you to see specialists directly, though it may cost more out-of-network.