Florida Health Insurance

In the state of Florida, the Department of Insurance regulates the laws under which the health insurance companies must operate. They are only allowed to look back 24 months in your medical history to determine whether or not they will provide you with coverage. The insurance company, under state law, has the right to deny coverage to any applicant with pre-existing conditions. They could also provide you with coverage but require that you sign an exclusion for the pre-existing condition. This exclusion allows you to be covered for anything other than issues related to that certain condition.

In order to determine your premium costs and whether or not the company will cover you, they go through a very lengthy check of your medical history and also consider several other points before writing the policy. Your premiums could be increased because of where you live, your age, your gender, and whether you choose to use tobacco products. Every policy that is issued is required to cover diabetes care, vaccinations, post natal care, and breast cancer screenings. These laws have been put in by the state of Florida’s Insurance Department to ensure that the important issues of medical care are taken care of for all insured patients.

Having health insurance is the absolute best way to protect yourself and your family. Not having this type of coverage could result in an extreme financial debt on your part, and if the illness is terminal, you could pass that debt over to your children and surviving spouse. As the head of the household, do you want to be responsible for putting that on your family because you didn’t want the extra expense? No one would want that on their conscious so protect yourself and your family by getting health insurance that will cover you in the event of a serious illness.