Florida Medical Insurance for the Uninsured

Purchasing the right kind and amount of Florida medical insurance should be the top of the to-do list for those who are uninsured. Of course that is easier said than done when certain conditions exist. In Florida the insurance companies can include pre-existing conditions in their policies in order to be exclusionary. In fact pre-existing conditions can prevent you from buying the individual policy you have chosen, but it is not the end of the story. There are many different insurance companies offering health insurance and one denial does not automatically mean you will get the same response from other companies.



Defining a pre-existing condition would seem to be simple, but nothing in the insurance world is truly simple. With full latitude given insurance companies as to how they define pre-existing the clauses in policies are as varied as the number of policies written. For example, a pre-existing condition could be defined as one where you have already seen a doctor previously just to discuss a particular issue. In the strictest definitions, there is no requirement that you actually received a diagnosis or treatment. You can merely have sought advice.



In other pre-existing condition definitions, the requirements are not quite as limiting. Some insurance policies require that an actual diagnosis or treatment have been involved in order to be considered pre-existing. The time limit applied is that the treatment or diagnosis must have occurred within the last 2 years. Of course a health insurance provider can also issue an elimination rider attached to the policy which permanently excludes a previously diagnosed or treated condition. When looking for Florida medical insurance it is important to understand the terms as an informed consumer.