How health care system works


 

Pre-Existing Conditions in Florida Health Insurance

Pre-existing conditions in Florida healthsolely at the discretion of the underwriting
insurance is an area of health insurance thatdepartment of the health insurance company.
seems to suffer from a murky cloud ofOf course, common sense would tell us that a
confusion. What is a pre-existing condition?pre-existing condition of cancer will be
How are pre-existing conditions handled intreated much differently than a pre-existing
Florida? Are there differences in howcondition of the tendency to develop a cold:
pre-existing conditions are handled dependingjust as Diabetes will be treated much
on whether it is a Florida group healthdifferently  from  hay  fever.
insurance plan or a Florida individual health
insurance plan? All of these are validThere are probably 3 main general groupings
questions concerning pre-existing conditionsof pre-existing conditions in the state of
and their effect on obtaining healthFlorida when it comes to individual health
insurance  coverage  in the state of Florida.insurance. There are the pre-existing
conditions that will signal an automatic
The obvious first question is, "What isdecline by the health insurance company such
considered a pre-existing condition inas diabetes, cancer, extreme obesity, and
Florida?" Typically, most health insurancerheumatoid arthritis (only a few examples),
companies in Florida will look at anthose that will prompt the insurance company
applicant's health history going back as farto either not cover the particular
as 10 years to determine an applicant'spre-existing condition (exclude that specific
health status (in the case of an applicationcondition but cover everything else - a
for individual health insurance; group health"rider") or charge an additional premium
insurance in Florida will not levy quite as("rate - up" or rate increase) such as asthma
much scrutiny towards a pre-existingallergies, back disorders, and high
condition). Therefore, in the strictest typecholesterol (only a few examples), and then
of scenario; any adverse medical conditionsthere are those pre-existing conditions that
or medical issues within the 10 years priorpresent a risk so minor that the health
to the application being submitted isinsurance company will cover everything and
considered a pre-existing condition. (This isnot charge an additional premium (such as
not the case for all areas of pre-existinginfections, disorders, or surgeries where
conditions as in the case of certainthere has been a Doctor certified 100%
conditions the health insurance company isrecovery, common cold, common childhood
only concerned with say high cholesterolailments, etc) (again, only a few possible
[just an example] or nicotine use [just anexamples).
example] in the past 5 years or 2 years
rather than the full 10 years). GenerallyThe important thing to do if you have a
speaking, any type of medical condition orserious pre-existing condition and have
issue that happened further back than 10health insurance is to NOT cancel your health
years ago does not exist for the sake of theinsurance coverage! There may still be other
Florida  health  insurance  application.options available to you such as a HIPAA
guaranteed issue plan (cannot be declined due
The obvious follow up question is, "How areto pre-existing conditions) or a group health
these pre-existing conditions handled by theinsurance plan. There are a number of
health insurance company that one is applyingcriteria that you must meet in order to be
with?" The classic attorney answer happens toeligible under HIPAA. Consult with a
fit in this instance, "That depends." The wayknowledgeable Florida independent health
that a specific pre-existing condition isinsurance agent that will be able to assist
handled in an application for individualyou in finding appropriate Florida health
health insurance in the state of Florida isinsurance coverage.



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