Florida Health Insurance Dropping Coverage?
My parents are retired in Florida. Their health insurance carrier is pulling out of Florida and non-renewing coverage. My father has cancer and is not yet eligable for Meidcare. Is the carrier obligated to find them new coverage. Is coverage with a new carrier going to exclude pre-existing conditions like cancer? Is there anywhere my parents can turn for help?
Yes. It appears that your parents may be eligible for what is called a HIPAA health insurance plan.
HIPAA laws dictate that individuals that meet 6 requirements must be given an individual health insurance plan issued on a guaranteed issue basis without excluding coverage for any pre-existing conditions.
Here are a couple of sources that have the 6 different criteria your parents must meet to be eligible for a HIPAA health plan:
http://www.healthquote360.com/Individual_Health_Insurance/HIPAA_Health_Insurance.php
http://www.realtimehealthquotes.com/Florida_HIPAA_Health_Insurance/Florida_HIPAA_Health_Insurance_Options.html
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