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If you are searching for ways to lower your health insurance costs and you live in the State of Florida...We here, at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

• What are your Protections when buying Individual Health Insurance in the State of Florida?
     If you do not have access to employer-sponsored group insurance, you may want to buy an individual health plan from a private health insurance company. However, in Florida – as in most other states – you have limited guaranteed access to individual health insurance. Whether you can buy an individual health plan may depend on your health status, the kind of coverage you want to buy, and other circumstances. There are alternatives to individual health insurance coverage — such as COBRA coverage and conversion policies. This chapter summarizes your protections under different kinds of coverage.
• WHEN DO INDIVIDUAL HEALTH INSURERS HAVE TO SELL ME COVERAGE?
     In general, companies that sell individual health insurance in Florida are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
• If you have had at least 3 months of coverage under a fully insured group health plan and then lose it, you are guaranteed the right to buy a conversion policy.
     You will not have a new pre-existing condition exclusion period.
• Insurance companies must offer you a choice of at least two plans.
     If you are federally eligible but do not qualify for a conversion policy, you are guaranteed the right to buy an individual health plan from any insurance company that sells such plans in Florida.
• To be federally eligible, you must meet certain criteria:
     If you are federally eligible you are guaranteed the right to buy individual health coverage in every state and are exempted from pre-existing condition exclusion periods. In Florida, if your most recent coverage was under a fully insured group plan, you can buy a conversion policy. If not, you can buy individual coverage from any insurer in the state that offers individual policies. To be federally eligible, you must meet all of the following:
  
  * You must have had 18 months of continuous creditable coverage, at least the last day of which was under a group health plan.
  * You also must have used up any COBRA or state continuation coverage for which you were eligible.
  * You must not be eligible for Medicare, Medicaid or a group health plan.
  * You must not have health insurance. (Note, however, if you know your group coverage is about to end, you can apply for coverage for which you will be federally eligible.)
  * You must apply for health insurance for which you are federally eligible within 63 days of losing your prior coverage.
  Federal eligibility ends when you enroll in an individual plan, because the last day of your continuous health coverage must have been in a group plan. You can become federally eligible again by maintaining continuous coverage and rejoining a group health plan.
  
  
• WHAT WILL MY INDIVIDUAL HEALTH PLAN COVER?
     It depends on what you buy. Florida does not require health insurers in the individual market to sell standardized policies. Health insurers can design different policies and you will have to read and compare them carefully. However, Florida does require all health plans to cover certain benefits – such as childhood immunizations. Check with the Florida Department of Insurance for more information about mandated benefits.

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