Florida Health Insurance
Florida HEALTH INSURANCE PROGRAMS
Florida KidCare - Florida children in families who do not qualify for Medicaid, but cannot afford private coverage, may be eligible for the Florida KidCare program. Currently, any child in a family earning less than 200 percent of the federal poverty level qualifies.
Mary Brogan Breast and Cervical Cancer Program - The Mary Brogan program provides some women in Florida with screening for breast and cervical cancer. If diagnosed with breast or cervical cancer, eligible women can receive full health insurance coverage though Medicaid.
Common Health Conditions in Florida
- Acromegaly
- Depression
- Mental Health problems
- Stroke
Florida Health Insurance Regulations
First, all Florida health insurance policies are guaranteed renewable as long as you have not provided any false information on your application and you have paid your premiums on time. Second, Florida insurance companies can impose a pre-existing condition exclusion period either permanently or temporarily. Medical conditions are determined to be pre-existing if you have been treated or were diagnosed for them in the 2 years prior to the beginning of your policy. By attaching pre-existing exclusion period, Florida health insurance companies avoid the responsibility of paying for any medical treatment associated with that condition. Florida health insurance companies are either licensed in the state of Florida or not. If they are licensed, you know as a consumer, that the company meets the Florida health insurance regulations. Although being licensed is a good quality indicator of Florida health insurance companies, you should still be aware of the few basic Florida health insurance company regulations. Despite the guaranteed renewability provision, which prohibits Florida health insurance companies from denying your request to renew an existing policy, Florida allows any insurer to refuse to sell you a health insurance policy in the first place. Additionally, the availability and cost of health insurance in Florida is determined by your health status. This means that premiums can vary due to your health status and age, among other factors. These and other factors can also be used as valid reasons to deny you coverage. Because of these relaxed regulations, it is especially important, as a resident of Florida, to purchase Florida health insurance when your health is good and you are young. For various reasons, people often experience breaks in health insurance coverage. These lapses should not be ignored, but rather rectified by purchasing temporary Florida health insurance. If you have recently left a fully insured group policy and you have used up your COBRA continuation coverage, you are eligible to obtain a conversion health insurance policy. These policies offer temporary Florida health insurance coverage. Your previous health insurance company is required to offer you a standardized conversion policy. The premiums for these standardized conversion policies are regulated. Applications for a conversion policy must be completed and returned within 63 days of the end of your previous policy.
Florida
P.O. Box 1327, 224 SE 24th St., Gainesville, FL 32641
Website: http://www.doh.state.fl.us/
Phone: (352) 334-7900 (8am - 5pm)
Fax: (352) 955-6428
