Buying An Individual Health Insurance Plan In Florida - Articles & News About Health

Buying An Individual Health Insurance Plan In Florida - Articles & News About Health

Stop Parking Domain NamesDevelop Your Domain Names

Buying An Individual Health Insurance Plan In Florida

Florida, like most states, provides limited guarantees to people who want to purchase individual health insurance and, while your ability to purchase medical insurance will depend to a certain degree upon your current state of health, there are certain circumstances where health insurers in Florida are compelled to offer to insure you.

Usually, health insurance companies are allowed to ask questions about your medical history and to refuse to cover you if you are currently suffering from a medical problem or have an ''unacceptable'' medical history. However, more commonly, insurance companies will provide you with cover, though they will either exclude specific conditions from your insurance plan or increase your premium and allow cover for these conditions. In Florida however an exception to the rule applies in the case of a history of breast cancer where you have had a course of breast cancer treatment a minimum of two years prior to your current application for insurance. In cases where this applies insurance companies are not allowed to refuse to insure you.

As long as you have been covered by group insurance for at least three months and subsequently lose your cover then, within Florida, you have the right to purchase a conversion policy and an insurer are required to offer you the choice of a minimum of two plans. Also, companies must not require a new exclusion for pre-existing conditions. However, they may enforce such an exclusion when you have not reached the end of any previous qualifying period.

If you are not able to meet the qualifications for a conversion plan but are nevertheless HIPAA eligible then once again an insurer must not refuse to insure you and must once again offer you a choice of a minimum of two plans. HIPAA eligibility means that have had a minimum of 18 months of creditable continuous coverage (the final day of which has to have been under a group insurance policy) and have used up any COBRA or continuation coverage for which you were eligible. Furthermore, you cannot presently have any health insurance (or your current group cover must be about to expire) and cannot be eligible for a further group insurance policy or for Medicare or Medicaid. Finally, an application for cover on the basis of HIPAA eligibility needs to be submitted within 63 days of losing your prior coverage.

In cases where an insurer or HMO is no longer able to give you cover, because they have for instance ceased trading or you have moved out of their service area, then other insurance companies must offer you health insurance coverage regardless of your state of health.

Newborn children, adopted children and children who are placed for adoption must be covered under a parent''s individual health insurance policy for 31 day from the date of birth, adoption or placement.

Under Florida law a child who is disabled is to remain covered when dependent coverage has been in issue beyond the age at which such cover would normally be terminated, provided the child is not able to support himself or herself as a result of mental or physicall disability and is dependent upon the planholder for support.

In Florida the cover provided by an individual health insurance policy will depend to a large degree upon the policy which is bought but Florida law requires that all plans cover a number of benefits such as mammograms, diabetes treatment and childhood immunizations. The full list of mandatory benefits is updated every so often and an up-to-date list is available from the Florida Department of Financial Services. provides information on low cost health care insurance and on buying an individual health insurance policy in Florida

Ideal Diet Plan for a Brawny Body

All of us to dream of a body that owns by Arnold Schwarzenegger! However, it is not just about dreaming. A lot of hard work and diet plan goes in to making a great body. Diet plays an important role in body building. If you dont follow the right kind of diet plan, you would not be able to get the body you dream of.

Florida Health Insurance Web Advises Insurance Consultant for Individual Health Policies

Prices of health insurance are at record high levels while actual benefits are getting smaller. Florida Health Insurance web advices use of professional insurance consultants to avoid over-inflated rates on individual health insurance policies.

Setting Up Your Office For Health

If you work and are spending one third to one half of your day in an office setting then your surroundings there are as important as those in your home. Although we usually have little control over the buildings we work in, being aware of problems that can affect us will enable us to take counter-measures and may encourage the creation of stimulating and nurturing environments.

Jerry Shuster, MD, Joins USC Consulting Group''s Health Care Practice

Renowned ophthalmic consultant created electronic medical record system.

InterContinental Chicago O''Hare Lands in Chicago with First Group on Board: American Society of Health-System Pharmacists Signs On

The 556-room InterContinental Chicago O''Hare is the new luxury leader in Chicago, already booking groups and guests in anticipation of its September 2008 opening date. Located just minutes from O''Hare Airport, the hotel will be managed by Portfolio Hotels & Resorts, based in Oakbrook Terrace, IL.

hoodia gordinii wb diet hoodia side

Hoodia Gordonii is a cactus like plant from the Kalahari Desert.

Fourteen Reasons Why Dieting Is Bad For Your Health

1. The lower the calories eaten per day, the harder it is for you to get your daily requirements of proteins and vitamins.

Who Let The Dogs In, New Dog Health Resources For Dog Owners

Each year individuals make health resolutions and this year pets are included. Dog health is an "in" topic, and pet owners are looking to keep their dogs healthier while spending less. For some dog lovers that see their pets as family, keeping them healthy is very important.

The Anti Aging And Wellness Secrets

We would all love to look like Sophia Loern, Lauren Bacall or some other glamorous Hollywood star as we approach our older years. Who wouldn''t like to be in great shape and keep our good looks, while still retaining that youthful complexion into our older years?

Shepard Medical Products Announces CareMates? Infection Protection Blog, An Online Public Health News Service

Shepard Medical Products announced today their new blog website, CareMates? Infection Protection, an online public health news service, underwritten by Shepard Medical and their CareMates brand. The blog can be accessed at The CareMates Infection Protection blog was created as a resource to health care professionals, health media, and the general public for the latest international news and original articles on communicable and infectious diseases.

I will so trust that what is deep is holy, that I will do strongly before the sun and the moon whatever inly rejoices me and the heart appoints. ~Ralph Waldo Emerson

Beating Yeast Infections With Diet and Nutrition

Vaginal candidiasis is not considered a sexually transmitted disease. However, 12% to 15% of men will develop symptoms such as itching and penile rash following sexual contact with an infected partner.

Essential Ingredients of Balanced Diet for People on Dieting

People nowadays are very conscious about their health and gaining weight. All want to posses good health and look slim and smart. For all this, people take various measures they do exercise, skip meals or eat less. Even some go for dieting. Exercise along with dieting is good. However, one should not forget that exaggerating things could create problems. To avoid these upcoming problems people should plan their diet chart along with exercise. Balanced diet for people in dieting is very essential. Otherwise, chances are there they can lose even the required amount of food intake. Therefore, always try to eat right amount of food. Never overeat or eat less.

Fish Oil: An Important Part Of Your Diet

Fish oil is very important to human health and development. Many scientists believe that for much of human evolution our ancestors lived in coastal areas and got much of their nutrition from fish and especially shellfish. Recent studies seem to bear this out - showing that the human brain is composed of a significant percentage of oils who''s only main source is fish.

Body Mass Index (BMI) Cant Measure Your Overall Health

Body-Mass index is a ratio of your weight to your height. Too low of a BMI may indicate that you are underweight - undernourished or suffering some kind of illness that leads to unintentional weight loss.