Buying individual health insurance policies in Florida

Buying individual health insurance policies in Florida

Buying individual health insurance policies in Florida could be a tricky job. Though healthcare reforms are making it mandatory for every Floridian to have health insurance, but at present, insurers in Florida are allowed to reject your application for coverage based on your health status.

If you meet an agent of a health insurance expert, you will notice that along with many precautions and measures that he/she may suggest, a healthy life-style and maintaining good health is always suggested.

Though insurers in Florida are under no obligation, at present at least, to offer you health insurance, there are certain cases where an individual holds advantage:

An individual, who have had at least 3 months of coverage under a group plan, will be eligible to buy a conversion policy. The conversion policy allows to the group plan into an individual policy. The bottom line is: if a group health insurance policy is in offing, the chance should not be missed!

If an individual had coverage under an individual policy or HMO but the coverage was terminated because the insurer became insolvent, the individual is eligible to buy an individual health insurance plan in Florida.

If the insurer dropped all individual coverage in Florida, the option of buying another policy remains intact.

If an individual moved out of your policy's service area, he/she still be eligible to buy an individual health insurance policy.

If an individual is HIPAA-eligible but does not qualify for a conversion policy, the individual holds guaranteed right to buy an individual health policy.

Talking to an agent, a friend who already owns an individual health insurance policy, company's representative helps in increasing the understanding of terms and conditions involved in health insurance policies.

Like any other state, Florida also has a health insurance department, which serves as the best source for authentic information and help an individual would need.

Buying individual health insurance in Florida should not be taken as a trivial matter. It demands careful attention. If an individual is not sure about eligibility, costs, limitations or exclusions or any other matter related to individual health insurance, it is always advisable to contact Office of Insurance Regulation.

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