According to Florida state health insurance regulations, individual health insurance policies are not definite issues. Most individual health insurance policies have to process through a medical underwriting team, permitting the individual health insurance companies to refuse any applications based on past health history and pre-existing health conditions. There is a 24 month medical history review and exclusionary period for pre-existing conditions. In some situations pre-existing conditions could not be considered when applying under HIPPA. During the application and review process, the insurance company has the ability to deny coverage based on health history, provide minimum insurance with restrictions or approve the application with full coverage. Are Florida’s insurance underwriters more aggressive than other states?

Tags: Florida health insurance, florida insurance, individual health insurance

This entry was posted on Wednesday, July 22nd, 2009 at 4:13 pm and is filed under General Healthcare. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.