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Florida Insurance Regulations

As an insured individual in Florida you have some rights that need to be protected. The right to receive quality insurance coverage from the private insurance provider you choose. But as with everything in life, there are always people out there trying to take advantage of certain situations. The best way to prevent mistreatment is to be educated about your options.

In the State of Florida, insurance companies are not required to provide standardized insurance policies to their customers. The coverage you receive is dependent upon the services you select at the time of initiating your policy with the company.

Under HIPPA law, you cannot be discriminated against because of a pre-existing condition as long as you meet the criteria for creditable coverage. However, the insurance company has the right to set an exclusionary period for pre-existing conditions. The state of Florida has set the period up to five years for pre-existing conditions in the state. Check with the company’s pre-existing policy before joining a plan. Being denied coverage for something you did not was pre-existing can lead to large medical bills that will be solely your responsibility.

Pre-existing conditions are not the only thing that you can be denied coverage for. Existing health problems are a factor for refusal of coverage under some plans. If you currently have any health care problems, that can be a cause for denial. However, these restrictions fall under the individual health plan system. If you seek insurance on your own, these restrictions are viable. If you receive health care coverage from an employer, you must receive full coverage under that plan. That is one way insurance laws protect you.

Another protection under the law of Florida is that once you have coverage it cannot be cancelled because of your age or the state of your health. If you got really sick and needed on-going care, your insurance provider could not drop you because you simply got to expensive to carry on their plan. Once you have coverage you cannot lose your coverage because you are sick. Your premiums may go up, but they can never be cancelled.

When looking for an individual insurance plan, make sure you review all of these issues with your prospective providers to make sure you receive the type of coverage you want.

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Florida Health Insurance Articles

    Pharmaceutical Benefits for the Elderly in Florida
    As part of court settlement, Medco to provide uninsured Florida senior citizens with generic medications.

    Florida Insurance Regulations
    Florida health insurance regulations designed to protect consumers, prohibit discrimination based upon pre-existing conditions.

    Healthy Families Florida
    State of Florida plan helps parents and guardians lacking in financial resources to provide health care to their families.

    Florida Medicaid Reform
    The benefits contained within Floridaŭs Medicaid program and how the public plays a role.

    State of Florida Health Care Premiums
    Due to rising costs, committee formed to review healthcare costs within the state of Florida.

    Take Control of Health Care Costs
    Experts suggest monitoring the incurrence of all healthcare costs to ensure you are not paying more than you should.

    The Affordable Health Care for Floridians Act
    Not only making healthcare affordable to all Floridians, but making all Floridians educated about healthcare is the goal of the Affordable Healthcare for Floridians Act

    Short-term Florida Health Insurance
    When in between policies, Florida short-term health insurance may cover the gaps by providing temporary security.

    Florida Maternity Insurance
    Reviewing one's healthcare policy with respect to coverage for maternity-related matters is an important issue for women considering getting pregnant.

    Prescription Plans
    Prescription medications, the hotly debated topic of late, can prove enormously costly and detrimental to oneŭs should he or she not have the benefit of quality pharmaceutical coverage.

    Florida Health Care Assistance Programs
    For those without insurance, a variety of reputable outlets exist from which one can obtain necessary health care services and treatments.

    Insurance Service Programs in Florida
    Within the State of Florida, low income residents have access to programs that provide health care insurance via private companies.

    Health Insurance for Children in Florida
    Low income families though not always able to afford it, still desire the best quality care for their children. Through Floridaŭs Health Care for Children program, parents are able to provide for their children with KidCare and additional benefit-laden, state run programs.

    Student Health Insurance in Florida
    Once officially declared an adult at the age of 18, what do parents do about their childŭs health insurance coverage?

    The Healthy State Initiative
    Within the state of Florida, a concerted effort is underway to improve the lives of residentsŭ by helping them to understand how to attain and maintain a healthier, fuller life.


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