Fla. Stat. 627.6385
Disclosures to policyholders; calculations of cost sharing
(1)
Each health insurer shall make available on its website:A method for policyholders to estimate their copayments, deductibles, and other cost-sharing responsibilities for health care services and procedures. Such method of making an estimate shall be based on service bundles established pursuant to s. 408.05(3)(c). Estimates do not preclude the actual copayment, coinsurance percentage, or deductible, whichever is applicable, from exceeding the estimate.Estimates shall be calculated according to the policy and known plan usage during the coverage period.
Estimates shall be made available based on providers that are in-network and out-of-network.
A policyholder must be able to create estimates by any combination of the service bundles established pursuant to s. 408.05(3)(c), a specified provider, or a comparison of providers.
A method for policyholders to estimate their copayments, deductibles, and other cost-sharing responsibilities based on a personalized estimate of charges received from a facility pursuant to s. 395.301 or a practitioner pursuant to s. 456.0575.A hyperlink to the health information, including, but not limited to, service bundles and quality of care information, which is disseminated by the Agency for Health Care Administration pursuant to s. 408.05(3).(a)
A method for policyholders to estimate their copayments, deductibles, and other cost-sharing responsibilities for health care services and procedures. Such method of making an estimate shall be based on service bundles established pursuant to s. 408.05(3)(c). Estimates do not preclude the actual copayment, coinsurance percentage, or deductible, whichever is applicable, from exceeding the estimate.Estimates shall be calculated according to the policy and known plan usage during the coverage period.Estimates shall be made available based on providers that are in-network and out-of-network.A policyholder must be able to create estimates by any combination of the service bundles established pursuant to s. 408.05(3)(c), a specified provider, or a comparison of providers.(b)
A method for policyholders to estimate their copayments, deductibles, and other cost-sharing responsibilities based on a personalized estimate of charges received from a facility pursuant to s. 395.301 or a practitioner pursuant to s. 456.0575.(c)
A hyperlink to the health information, including, but not limited to, service bundles and quality of care information, which is disseminated by the Agency for Health Care Administration pursuant to s. 408.05(3).(2)
Each health insurer shall include in every policy delivered or issued for delivery to any person in the state or in materials provided as required by s. 627.64725 notice that the information required by this section is available electronically and the address of the website where the information can be accessed.(3)
Each health insurer that participates in the state group health insurance plan created under s. 110.123 or Medicaid managed care pursuant to part IV of chapter 409 shall contribute all claims data from Florida policyholders held by the insurer and its affiliates to the contracted vendor selected by the Agency for Health Care Administration under s. 408.05(3)(c). Health insurers shall submit Medicaid managed care claims data to the vendor beginning July 1, 2017, and may submit data before that date. However, each insurer and its affiliates may not contribute claims data to the contracted vendor which reflect the following types of coverage:Coverage only for accident, or disability income insurance, or any combination thereof.Coverage issued as a supplement to liability insurance.Liability insurance, including general liability insurance and automobile liability insurance.Workers’ compensation or similar insurance.Automobile medical payment insurance.Credit-only insurance.Coverage for onsite medical clinics, including prepaid health clinics under part II of chapter 641.Limited scope dental or vision benefits.Benefits for long-term care, nursing home care, home health care, community-based care, or any combination thereof.Coverage only for a specified disease or illness.Hospital indemnity or other fixed indemnity insurance.Medicare supplemental health insurance as defined under s. 1882(g)(1) of the Social Security Act, coverage supplemental to the coverage provided under chapter 55 of Title 10, U.S.C., and similar supplemental coverage provided to supplement coverage under a group health plan.(a)
Coverage only for accident, or disability income insurance, or any combination thereof.(b)
Coverage issued as a supplement to liability insurance.(c)
Liability insurance, including general liability insurance and automobile liability insurance.(d)
Workers’ compensation or similar insurance.(e)
Automobile medical payment insurance.(f)
Credit-only insurance.(g)
Coverage for onsite medical clinics, including prepaid health clinics under part II of chapter 641.(h)
Limited scope dental or vision benefits.(i)
Benefits for long-term care, nursing home care, home health care, community-based care, or any combination thereof.(j)
Coverage only for a specified disease or illness.(k)
Hospital indemnity or other fixed indemnity insurance.(l)
Medicare supplemental health insurance as defined under s. 1882(g)(1) of the Social Security Act, coverage supplemental to the coverage provided under chapter 55 of Title 10, U.S.C., and similar supplemental coverage provided to supplement coverage under a group health plan.
Source:
Section 627.6385 — Disclosures to policyholders; calculations of cost sharing, https://www.flsenate.gov/Laws/Statutes/2024/0627.6385 (accessed Aug. 7, 2025).