Florida Individual Health Insurance - Finding Coverage For Yourself Requires Legwork

Florida individual health insurance is possible for just about anyone to get

. There are a few state laws you need to understand in order to get the best coverage and price possible. Florida has put some crucial protection in place for people that live in the state. As with most other states, Florida's health insurance costs and availability depend on your health status. If you already have group coverage when you get sick, the insurance company cannot deny or limit coverage, nor raise your insurance premiums as a result. The health insurance coverage cannot be cancelled either due to your illness.

Many people with pre-existing conditions think they cannot get coverage. To some extent that is true with Florida individual health insurance. There is usually a waiting period involved with getting coverage for a pre-existing condition. When you get the insurance, you get instant coverage for all other health conditions besides the pre-existing one. Then, within 12 to 24 months, depending on the policy, coverage kicks in for the pre-existing condition. For some circumstances though, pre-existing conditions offer health insurance companies the right to turn you down for coverage. However, many people make the assumption without doing their homework first.

You can get Florida individual health insurance for a variety of prices. You might be surprised at the range of premiums charged for the same policy between different companies. The best option you have is shopping around. Call up a variety of companies, well known and not. Make sure you ask for similar coverage from each one. Some companies try to give you a low premium but they will sell you a limited policy in turn. If you get any premium offers unusually low, read the fine print of the policy before you sign up. A low premium is not a good bargain if you do not get the coverage you need.

Florida individual health insurance costs vary even by the part of the state you live in. If you live in a lower population area like Ocala instead of Miami or Jacksonville, you will usually find health insurance costs lower. The health risks associated with densely populated areas make the cost of their health care higher than in smaller cities and rural areas. Florida is a great place to live with beaches and entertainment available within a short distance. However, as in many other states, it is important to make sure you get the right coverage at the right price.

by: Carol Valentine

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