Home | Finance | Insurance
As is the case in most states, Florida provides limited guarantees to anyone who wishes to buy individual health insurance and, although your capacity to buy medical insurance is dependent to some degree on your current state of health, there are situations where health insurers in Florida have to offer to insure you. Normally, health insurers are allowed to ask questions concerning your medical history and to refuse to cover you if you have a current medical problem or have an 'unacceptable' medical history. More usually however insurers will insure you, although they will either exclude specific conditions from your insurance cover or raise your premium and allow cover for such conditions. In Florida however there is one exception to this rule in the case of a history of breast cancer if you have finished a course of breast cancer treatment a minimum of two years before your current application for cover. Where this applies an insurance company is not allowed to refuse to cover you. If you have been covered by a group insurance plan for a period of at least three months and then lose your cover then, in Florida, you can buy a conversion plan and an insurance company have to offer you the choice of a minimum of two policies. Also, companies must not inflict a new exclusion for pre-existing conditions. They may however enforce such an exclusion where you have not reached the end of any previous qualifying period. When you cannot qualify for a conversion plan but are nevertheless HIPAA eligible then once again an insurance company may not deny 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 18 months of creditable and continuous coverage (the last day of which has to have been under a group health insurance policy) and have used up any COBRA or continuation coverage for which you were eligible. Additionally, you must not currently have any health insurance (or be covered by a group policy that is about to expire) and must not be eligible for a further group insurance policy or for Medicaid or Medicare. An application for cover under HIPAA eligibility needs to be submitted within 63 days of the loss of your prior coverage. In cases where an insurance company or HMO can no longer provide cover, because they have for instance become insolvent or you have moved to a location outside of their service area, then other insurers are required to offer to provide you with health insurance coverage regardless of your state of health. Newborn children, newly adopted children and children placed for adoption have to be covered under the terms of a parent's individual health insurance plan for a period of 31 day from the date on which the child is born, adopted or placed for adoption. In Florida a disabled child will remain covered where dependent coverage has previously been in issue past the age when such cover would usually be ended, provided the child is not able to support himself or herself because of mental or physicall disability and is dependent on the policyholder for support. The cover given by an individual health insurance plan in Florida will be largely dependent on the particular plan that is purchased but it is a requirement of Florida law that all policies provide cover for specific benefits such as childhood immunizations, diabetes treatment and mammograms. The full list of compulsory benefits is updated every now and again and an up-to-date list can be obtained from the Florida Department of Financial Services.
Article Source: Main Articles
MedicalHealthInsuranceToday.com provides information on low cost health care insurance and on getting free online individual health insurance quotes for Florida
This article may be reproduced wholly or in part without written permission provided the byline, resource area, and any hyperlinks remain in order to give proper credit to the author.
Internet search engines and directory listings are imperative to your sites existence and success. Submit Your Website to the Searchen Networks directory and search engine to achieve authoritive inbound links.
Please Rate this Article
5 out of 54 out of 53 out of 52 out of 51 out of 5
Powered by Article Dashboard
