Florida Small Group health insurance for the Self Employed

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If you have ever been declined for health insurance you know firsthand what a sinking feeling it is to be left out in the cold, defenseless against the possibility of future medical claims.  Enter the Florida Department of Insurance.  In July of 2000 the Florida legislature passed small group health insurance reform whereby the self employed were now able to qualify for guaranteed group health insurance.

Great news, but there are catches.  The biggest one is that there is only one open enrollment period each year, that would be in August with a October 2001 effective date.  The other issue is cost, these plans like other employer plans ain't cheap and if your timing is off (for example it's November) you could be waiting a long time without health insurance. 

What alternatives are there to guaranteed issue coverage?

Florida Individual Health Insurance Plan

• More carriers and plans to choose from: shop using my Instant Quoting System.

• Can enroll anytime during the course of the year.

• Lower costs, and the possibility of covering preexisting conditions in most situations where the medical condition is controlled.

• More flexibility in the Underwriting...Riders, Rate Ups and even plan selection can influence the Underwriting of an application.

Florida Temporary Health Insurance

These plans have many positive aspects not the least of which is limited underwriting compared to an individual plan, and the fact they are issued almost the same day as applied for.  To see if you qualify here are the Underwriting questions of a typical plan.

1.  Are you pregnant or anyone in your family?

2. Within the last 5 years have you or any dependent to be insured been hospital confined for any reason (other then bodily injury for four consecutive days or longer?

3. With the last 5 years have you or any dependent seen or been treated by any medical professional or been recommended to see a professional, or received diagnostic treatment or received medication, or received abnormal test results for any of the following conditions?

   • Alcohol abuse

   • Cancer or tumor (excluding basal cell)

   • COPD, cystic fibrosis, emphysema, pulmonary embolism, or tuberculosis

   • Diabetes

   • Organ or tissue transplants

   • blood disorder

   • heart disorder - including but not limited to chest pain, heart failure, rhythm disturbance or heart attack

   • Circulatory system disorder - including but not limited to deep vein thrombosis

   • Kidney or liver disorder

   • Nervous system disorder

   • Mental/Nervous disorder requiring hospitalization

4. Within the last 5 years have you had H.I.V.?

5. Do you have high blood pressure or cholesterol (whether or not treated or controlled) AND weigh more then 300 pounds if male and 250 pounds if female?

6. Within the last 12 months have you been advised by any medical professional to have any test, medical treatment or surgery not completed?

What will you need to get started on a guaranteed issue plan?

• Copy of most recent years 1040 IRS return...Schedule "C" and first few pages. Quarterly estimated tax if a recent business

• Occupational license if available or proof of some professional designation

• Copy of a business check...most carriers will ask for this.

• Incorporation paperwork if incorporated.

Maternity Coverage?

This is best covered on a self employed or employer plan however if you can't qualify for that go this page on Florida maternity insurance.

If either of the options above don't work for you, here are some other choices:

For related health insurance information see the plans itemized below:

• Individual Health Insurance Plans - compare companies, plans and rates right online from the website

• Health Savings Accounts

• College/University Student Health Insurance

• Temporary Health Insurance

• International Travel, Health and Life Insurance

• Florida Health Insurance Quote Request Individual and HSA Plans

• Aetna Health Insurance Plans

• Humana Insurance

• Golden Rule Health Insurance
   

• Homepage for health insurance