Guaranteed-issue health insurance coverage for the self employed in Florida

Quotes for Individual Health Insurance | Florida Temporary Insurance | Florida Health Savings Accounts | Florida Dental Insurance |

If you have ever been declined for health insurance you know what it's like to be "left out in the cold".  Defenseless against the possibility of future medical claims.  In Florida if you are self employed you are guaranteed coverage. Great news, but there are catches.  The biggest one is that there is only one open enrollment period each year, August with a October 1st effective date.  The other issue is cost. These plans like other employer plans don't come cheaply and if your timing is off (for example it's November) you could be waiting a long time without health insurance. 

If you qualify and the timing is right, call us we would be happy to help you with the necessary paperwork.  For everyone else....

The alternatives to guaranteed issue coverage:

Florida Individual Health Insurance

You may yet qualify for individual coverage in spite of your preexisting conditions. I can't make any promises but not all companies underwrite preexisting conditions the same way and if your condition is well controlled and not termed a progressively debilitating disease, like Type I Diabetes, I may be able to help.

• Start by contacting us and describing your medical history using our contact sheet health insurance questionnaire.

The advantages of an individual plan are several:

• You 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?

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 coverage.