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Small Business Health Insurance
The Benefits Of Individual Health Insurance In Florida
As is the case in most states, Florida affords limited guarantees to individuals who want to buy individual and, whilst your capacity to buy medical insurance will depend to some extent upon your present state of health, there are circumstances in which companies in Florida are compelled to offer you insurance.
In general, companies are allowed to ask questions about your medical history and to refuse to cover you if you are suffering from a current medical problem or have an 'unacceptable' medical history. However, more commonly, insurance companies will cover you, but they will either exclude specific conditions from your insurance plan or increase your premium and permit cover for these conditions. In Florida however an exception to the rule applies in the case of a history of breast cancer where you have completed a course of treatment for the condition a minimum of two years before your present request for insurance. In this case an insurance company is not allowed to deny you insurance.
As long as you have been covered by a group insurance plan for at least three months and later lose that cover then, within Florida, you can buy a conversion plan and an insurer are required to offer you the choice of a minimum of two policies. In addition, companies are not allowed to require any new exclusion for pre-existing conditions. They can however enforce such an exclusion when you have not completed any previously imposed qualifying period.
If you are not able to qualify for a conversion plan but are nevertheless HIPAA eligible then once again an insurer cannot refuse to cover you and must once again offer you a choice of a minimum of two policies. HIPAA eligibility means that have had a minimum of eighteen months of continuous and creditable coverage (the final day of which has to have been under a group policy) and have used up any COBRA or continuation coverage for which you were eligible. In addition, you must not currently have any (or your present group
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plan cover must be about to expire) and must not be eligible for a further group insurance policy or for Medicare or Medicaid. An application for coverage on the basis of HIPAA eligibility needs to be completed within 63 days of the loss of your prior cover.
If an insurer or HMO can no longer give you cover, because they have for instance become insolvent or you have moved to a location out of their service area, then other insurance companies must offer you insurance cover regardless of your state of health.
Newborns, newly adopted children and children placed for adoption must be covered under a parent's individual insurance plan for 31 day from the date of birth, adoption or placement.
Under Florida law a disabled child will continue to enjoy cover where dependent coverage has been in issue past the age when such cover would normally be ended, provided the child is unable to support himself or herself as a consequence of mental or physicall disability and is dependent upon the policyholder for support.
The cover given by an individual plan in Florida will depend to a large degree upon the plan that is bought but Florida law requires that all policies cover certain benefits such as mammograms, diabetes treatment and childhood immunizations. The list of required benefits is updated every now and again and a current list can be obtained from the Florida Department of Financial Services.
MedicalHealthInsuranceToday.com provides information on low cost health care insurance and individual in Florida
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