Guaranteed issue Florida Health Insurance

In Florida as in most states individual health insurance is medically underwritten. This means that you can be medically rejected or your preexisting conditions can be permanently excluded. If you are denied coverage there are no state supported pools that will take you. Basically, with the exception of the alternatives we discuss on this web site, you are out of luck. In those states that have instituted reforms that force the carrier to accept everyone, the insurance companies just packed up and left.

If you have been on a group insurance plan for the requisite amount of time and your company is still in business and offering the group insurance plan to its employees, you might be eligible to continue your health insurance for a limited period of time. Usually, this is for a period of 18 months. This is a continuation of your group benefits and regardless of your current health, you will be covered as before.

A HIPAA plan is a health insurance plan that is issued on a guaranteed issue basis. In other words, all preexisting conditions will be covered. The plan has distinct advantages and disadvantages.

Pro
- All preexisting conditions are covered
- If you meet the eligibility criteria, it will be issued without question
Con
- The plan is 200 - 300% (sometimes much more) higher than a similar plan that is medically underwritten. So, many people cannot afford this coverage
- You must meet strict guidelines to obtain the plan. Including complete exhaustion of COBRA coverage if it was offered to you.
- Only certain plans that a carrier offers are available to HIPAA applicants.

For most individuals, HIPAA is not a cost effective answer to their problems.

Florida Group Health Insurance

For groups of 50 or less, health insurance is guaranteed to issue. The problem is you must have a qualifying business. Also, the rates for Florida group insurance are much more expensive than individual plans. There are requirements to pay for a portion of your employees premium (if you have any). Like the HIPAA alternative, this is often a very expensive option.

If a traditional PPO or HMO plan won't accept you, you might have to turn to a medical expense plan. These plans pay out specific amounts that depend on the expense item. For example, one plan will pay out $400 for hospital expenses and $50 for a certain number of physician visits. By stacking these plans or combining plans from more than one carrier, the insured can frequently put together a plan that will suffice is 95% or more of all medical expense situations. These plans have the advantage of either being guaranteed issue or they have simplified underwriting that many uninsurable applicants qualify for.

While the medical expense plan does not offer the virtually unlimited coverage of PPO or HMO plans, it is a lot better than having no coverage at all. You can call Flquote at 800-986-4786 for information about these type of plans. They have become specialists in these type of plans and offer quite a few.

A temporary insurance plan is good for a period of 30 days to 3 years. Although, they are medically underwriten, the too have somewhat relaxed standards. In most instances, they only look back three years so a heart attack before that time will not eliminate you. Almost all of these plans do not have a height or weight questions. If you were rejected due to weight, you can probably obtain one of these plans. Some companies permit renewal beyond their initial period and others permit renewal with a lapse of 24 hours. So, it is possible to hold on to a temporary plan for many years.

There is no doubt that many people leave information off their health insurance application. Sometimes at the suggestion of a corrupt and greedy salesperson. They will find out. If you have a claim they will search high and uncover the lie. It is a third class felony in Florida to purposely lie on an insurance application. Don't be a fool.

Florida Health Insurance

Guaranteed Issue Florida Health Insurance - No Medical Declines