Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Florida health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Florida health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Florida health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Florida health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Floridians to those of people who live in other parts of the country.
All you need to know about Florida health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Florida Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in Florida is greatly influenced by your current and past health status and history. Florida health insurance companies may deny coverage to an applicant if they feel that the cost of insuring the individual will pose a risk to the company’s claims ratio- that is, they will be paying an exorbitant dollar amount in claims. Many times this is based on whether a person applying for health insurance has a pre-existing condition. Florida health insurance companies are permitted to look back 5 years to determine whether a person has a pre-existing condition. They may agree to offer you coverage, but may attach a rider to your policy which, in effect, exempts the company from having to pay any medical expense related to the pre-existing condition. Florida health insurance companies are also allowed to exclude a pre-existing medical condition for 2 years, regardless of whether the insured member had prior health insurance or not.

Florida Group Health Insurance
Florida health insurance for groups is designed for those companies that have between 2 and 50 employees on staff. Companies are not required to offer Florida health insurance to all of their employees, however. Part-time employees and those who live outside of the insurance company’s service area may not qualify for the group plan. Under Florida health insurance regulations, all employees who are eligible for coverage under a group plan will be covered, no matter what their current state of health. Group insurance plans may impose restrictions on pre-existing conditions that were treated within the six months prior to coverage beginning. In that case, there are certain kinds of insurance plans that will provide medical coverage for pre-existing conditions that are not included in the group plan. Employers, and not the insurance companies, can require a waiting period before coverage begins for Florida health insurance plans. These waiting periods vary in length.

Florida COBRA Insurance
Florida health insurance follows the federal guidelines for COBRA coverage. The COBRA plan is for companies with 20 or more employees. After leaving a job, a person can keep their group insurance through COBRA for up to 18 months if they qualify for COBRA. In addition, some eligible dependents can stay covered for 36 months, and disable people can receive benefits for 29 months. Florida health insurance rules state that if your employer discontinues the group plan, then your COBRA coverage will end as well. But, there is additional Florida health insurance coverage that is available through the Florida Comprehensive Health Insurance Association (ACHIA) that is designed for people who have ended their COBRA coverage.

Florida Health Information and Statistics
If you are in the market for quality Florida health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Florida ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Florida are low levels of air pollution, high immunization coverage and a low prevalence of obesity. Florida also faces many challenges, such as a high geographic disparity within the state, a high rate of uninsured population and a high incidence of infectious disease.

According to a 2008 study, Florida had some significant changes over the last 12 months. In the past year, the prevalence of smoking declined by 8% but there was an increase of 23% in the number of children living in poverty. Since 1990, the violent crime rate decreased by 29% and the infant mortality rate also declined by 33%.

Following is a variety of statistical data related to living in Florida, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Florida health insurance.

  • Prevalence of Smoking-19th
  • Prevalence of Obesity-10th
  • Violent Crime-46th
  • Children in Poverty-31th
  • Air Pollution-13th
  • Cancer Deaths-14th
  • Lack of Health Insurance-48th
  • Prevalence of Binge Drinking-16th
  • Infant Mortality-32nd
  • Infectious Disease-48th
  • Premature Death-36th

Overall Rank: 45
Change: -4