Florida, like most states, grants limited guarantees to anybody who wants to buy individual health insurance and, whilst your ability to purchase medical insurance will depend to a certain point upon your current state of health, there are certain situations in which health insurance companies in Florida are bound to offer to insure you. Usually, health insurance companies are allowed to ask questions about your medical history and to decline to insure you if you are suffering from a current medical problem or have a history of particular conditions. More usually however insurance companies will offer to cover you, although they will either keep out specific conditions from your cover or raise your premium and cover these conditions. In Florida however there is an exception to this rule in the case of a history of breast cancer if you have finished a course of treatment for the condition at least two years prior to your current application for insurance. In cases where this applies an insurer is not allowed to deny you insurance. When you have been covered by a group insurance plan for at least three months and later lose your cover then, within Florida, you can buy an alternated plan and an insurance company have to offer you the choice of a minimum of two policies. Moreover, companies cannot impose a new exclusion for pre-existing conditions. However, they are allowed to enforce an exclusion clause where you have not completed any previous qualifying period. Where you do not meet the qualifications for a conversion plan but are HIPAA entitled then once again an insurance company must not refuse to cover you and must once again offer you a choice of a minimum of two policies. To be HIPAA entitled you will need to have had a minimum of eighteen months of worthy and continuous coverage (the final day of which has to have been under a group health insurance policy) and have used up any suitable COBRA or continuance coverage. Additionally, you cannot presently have any health insurance (or be covered by a group policy that is about to expire) and cannot be eligible for a further group policy or for Medicaid or Medicare. An application for cover on the basis of HIPAA eligibility needs to be ended within 63 days of losing your previous cover. In cases where an insurer or HMO can no longer give cover, because they have for instance become insolvent or you have moved to a location out of their service area, then other insurance companies are required to offer to provide you with cover whatever your state of health. Newborn children, adopted children and children placed for adoption must be covered under the terms of a parent's individual insurance plan for 31 day from the date of birth, adoption or placement. Under Florida law a child who is disabled will carry on to enjoy cover where dependent coverage has been in issue past the age when cover would normally be ended, provided the child is unable to support himself (or herself) as a outcome of mental or physical disability and is principally dependent upon the plan holder for support. The cover offered by an individual health insurance plan in Florida will be mostly dependent upon the plan that is bought but Florida law requires that all policies provide cover for exact remuneration such as childhood immunizations, mammograms and diabetes treatment. The full list of mandatory benefits is updated every so often and a current list is obtainable from the Florida Department of Financial Services.
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