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Florida Health Insurance Consumer Rights under FL State Law

If you are looking for health insurance in the state of Florida, here is some information you should know beforehand. This information is designed you help you avoid being mistreated by private insurance companies.

Standardized Policies
Florida state law does not require insurers to offer standardized policies. Your coverage will be based on what services you choose.

Pre-existing Conditions
An insurer is not obligated to provide coverage for pre-existing conditions. They can go as far back as 5 years of the medical history in order to determine if a conditions is pre-existing.

Legal Reasons for Coverage Denial
Under Florida state law an insurer has the right to deny coverage to an individual on following basis:

Pre-existing health conditions
Current health conditions

If the insurer chooses to give you coverage in light of your condition it might have some restrictions.

Coverage Cancellation
By Florida state law, an insurer can not cancel your insurance policy on the basis of your health condition or age. However, an insurer can raise your premiums as a result of these and other changes.

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