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Health Insurance Information

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Florida Health Insurance

 

All health insurance policies in Florida are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Florida mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  Also these insurance companies must cover disabled children on their parent’s policies indefinitely.

 

When searching for health insurance in Florida, a great resource to you is the Florida Department of Insurance.

 

                              Request a Florida Health Insurance Quote

 

 

Florida Small Business Health Insurance

 

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In Florida, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in Florida is also guaranteed issue, meaning that you can not be turn down for coverage.   Pregnancy and Genetic information can not be considered pre-existing in Florida.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against

your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months.  Any pre-existing periods must be applied only after written notice.

 

Florida does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.

 

For additional information about Small Business Health Insurance in Florida click here.

 

                              Request a Florida Small Business Health Insurance Quote

 

 

Florida Individual Health Insurance

 

All Florida Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.

 

In Florida, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also Florida does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

Florida allows health insurance companies to include pre-existing period, and this period can not last longer than 2 years.  During this period no claims will be paid by the insurance company for anything they have listed as "pre-existing".  If you have had prior credible coverage that coverage can be used to off set the elimination period.

 

Florida Insurers also use the Prudent Person Rule when deciding on pre-existing clauses.  In this rule, insurance companies look for any symptoms that would cause a "normal" person to seek medical help.  Whatever is found can be put as a pre-existing condition.

 

Relative to Pre-Existing Conditions, Insurance companies in Florida must give credit to prior credible coverage as long as there was not more than a 63 day lapse in coverage.

 

The rates that an individual pays for a Florida Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

Florida's Kid Care was designed to insure Florida's uninsured children.  Visit their site to get all their useful information.

 

For additional information about Individual Health Insurance in Florida click here.

 

                               Request a Florida Individual Health Insurance Quote

 

 

Florida Self Employed Health Insurance 

 

In Florida if you are self employed you are considered a group of one.  This makes you eligible for Florida Self Employed Health Insurance.  You will have the choice of a standard or basic plan which will need to be applied for in August to be made effective in October.  This is a guaranteed issue plan, but no other policies have to be offered on a guaranteed issue basis.

 

When applying for Self Employed Health Insurance in Florida, companies are allowed to request your tax forms to prove your self employed status.  Pregnancy is considered a pre-existing condition on a Self Employed Policy.

 

Another option for affordable Florida Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups, or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For more information about Self Employed Health Insurance in Florida click here.

 

                               Request a Florida Self Employed Health Insurance Quote

 

 

Temporary Florida Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a Florida Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a Florida Temporary Health Insurance Policy is much better than going with out health insurance. 

 

Temporary Health Insurance in Florida is not guaranteed renewable.  So for a consumer, this means that after you have bought a policy, and it runs out, the insurance company does not have to accept you again.  They also have the option of greatly increasing your rates.

 

For more information about Temporary Health Insurance in Florida click here.

 

                               Request a Florida Temporary Health Insurance Quote

 

 

What types of Florida Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Florida that you have to go to for care.  Most Florida HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Florida PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Florida PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Florida, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Florida Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically an Florida Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Florida Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Florida it is mandated, by the state, that all companies that offer an Florida Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A Florida Cobra Insurance is typically available for a time period under 18 months.   In Florida you are given 45 days to decide if you are going to take Florida Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a Florida Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a Florida Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a Florida Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a Florida Self Employed Health Insurance Policy.   

 

 

                           Request a Health Insurance Quote from one of QuicklyQuoteMe’s Agents

 

 

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