Insurance availablity when most needed is essential.
Health insurance coverage is essential for most individuals and families when facing serious illness. The cost of health care services and the duration of treatment necessary can create a heavy financial burden. Insurance can offset much of the cost, but when you may already be ill, coverage may be difficult to find and costly to use. In the State of Florida there are laws in place for those with pre-existing conditions to receive the coverage and care that they need that health insurance companies must comply by.
627.6045 Pre-existing Condition
If an individual who has good health becomes ill during the 24-month period immediately before the effective date of their insurance policy in a way that would make them have to seek medical care, medical advice, diagnosis or treatment; or if the treatment was recommended and received; or if that person is pregnant on the effective date of coverage then a pre-existing condition provision cannot exclude coverage for 24 months after the individual's effective date of coverage. That individual most stay covered for at least 24 months after the effective date of the new policy without a risk of policy cancellation.
Determining a Pre Existing Provision
Under this statute to determine the need for a pre-existing provision the insurance company has to consider a few options. Credit must be given for the time an individual had previous coverage that was similar or if the policy exceeded the coverage under the new policy. Also if the previous coverage was still in effect for up to 62 days before the effective start date of the new policy without considering any waiting periods that may be placed by the new policy. If those criteria are met then there will be less need for a provision plan for a pre-existing condition.
Not Covered
This statute does not cover short-term, non renewable health insurance policies of six months or less as long as it is clearly stated to the applicant. The policy must state that it does not meet qualifying previous coverage or qualifying existing coverage. You may have to meet a preexisting condition requirement when renewing a short-term policy or when purchasing a short- or long-term policy. Also not covered in the statute is disability income insurance or income replacement insurance.
Tags: effective date, previous coverage, before effective, date coverage, date policy, date policy without
