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Individual Health Insurance Florida Question & Answers

2013 September 12
by Sarah Fields

Sandy asks…

Is there a company that takes people that have been denied for health insurance?

Are there any company’s that will take people denied individual health insurance in Florida?

Thank you

Sarah Fields answers:

Underwriting standards differ from one insurance company to the next.

Just because you have been denied coverage with one insurance company does not mean that the same thing will happen with the next insurance company you try.

The key is to choose a well known and dependable insurance company and then compare quotes from at least 3 of them to find the plan that will best meet your needs and accept you onto coverage.

Do a little research and then speak with an independent FL health insurance agent so that they can help you select the company with underwriting standards that are most favorable to your situation.

Some of the top companies to look into include Blue Cross Blue Shield of FL, Golden Rule (United Healthcare), Aetna, Humana One, Assurant, Avalon, Continental General, and even United American if you cannot get approved for a full coverage policy.

Here is some more information on Florida health insurance specifically:

Helen asks…

How do you find affordable health insurance?

I have a friend of mine who lives in Florida. He had open heart surgery a few years ago. After the surgery was done, the Dr walked in the room and told my friend he really never needed the surgery to begin with. He is trying to find health insurance and he is having trouble finding it because of his heart condition even though now he doesn’t have one. Most of the health insurance companies want more then $1500 a month to insure him. How does he find affordable insurance in the US?

Sarah Fields answers:

I beg to differ with Heather. The pre-existing clause in the portability act only refers to group policies. Individual policies will usually look back 5 – 10 years for surgeries and heart conditions. They can choose to decline you, rider the condtion for a period of time (1 year to permanent) or increase the premium, as you are finding out.

You can try increasing the deductible. A higher deductible can result in a much lower premium. Your only other options would be Medicaid or a medical discount plan. Be very wary of these plans. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Lisa asks…

What’s a good cheap health insurance that will cover therapy?

Basically, the only reason I need health insurance is to cover my therapy for anxiety/depression. I’m only 19, live in south Florida, and have never shopped for health insurance before so I’m pretty clueless when it comes to this stuff. Thanks in advance.

Sarah Fields answers:

The only option would be a group policy through an employer. With an individual policy you need to purchase the policy before you need it, kind of like you need to purchase your car insurance before you wreck the car. A group policy will cover your therapy after a 6 to 12 month wait. However, depending upon the policy there may be limitations.

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