Florida Medical Insurance

Florida medical insurance is divided into two main categories: Florida individual medical insurance and Florida group health insurance. These two categories have many similarities, but many important differences.
Many Florida residents are quite familiar with a large group medical insurance through their employer if they have ever worked for a large corporation (in Florida a large group is considered as a company or a group with more than 50 employees). However, when it comes to understanding the individual medical insurance in Florida and how it works or even understanding small group medical insurance in Florida and how it works turns out to be something other than the large group medical insurance plan that most have so well known for so long.
Individual health insurance in Florida is different from group health insurance in Florida due to the fact that the underwriting departments at each Florida insurance company will closely any pre-existing conditions that the applicant has in their health history (dating back to 10 years to investigate) when applying of an individual policy.
This research is aimed at finding an adverse health conditions or precursors of health problems such as diabetes, high cholesterol, heart disease, obesity, cancer, etc. shall disorders such as diabetes, cancer, heart disease and obesity cause serious Florida insurer to apply for coverage automatically with an individual health insurance policy.
Less serious pre-existing health problems such as high cholesterol, high blood pressure, mild obesity, and heartburn / acid reflux will generally lead to a rider is placed on the supporting policies that will exclude coverage for anything related to that specific pre-existing disorder. Riders are generally imposed on a permanent basis or on a temporary basis (12-24 months in the most cases).
There are a few insurance companies in Florida (one of them at the moment Aetna) riders who do not bring about the individual health insurance side as the most common, but instead "rate up" an applicant in their eyes presents increased risks due of pre-existing conditions. This "rate up" simply means that they will provide the mild pre-existing conditions to be covered, but they offer you a rate increased premium amount can be 10% more than originally quoted you, 25%, 50% more, it all depends upon the acceptance of the insurance department as to what premium amount that they'll offer if they accept you.
Florida group health insurance is much simpler in that generally there is not as much control on an applicant's health history and pre-existing conditions. This is good or bad, depending on your current health. It is good if you are an unhealthy person with some major pre-existing conditions, because it allows you to obtain the group medical insurance as you could be denied if you tried to individual health insurance (as a result of your pre-existing conditions) to obtain . However, it is bad from a financial sense if you are a generally healthy person, because you pay a higher premium costs for group health insurance (as opposed to the individual medical insurance) - that is, unless your employer pays the costs for all your group medical insurance: you are very happy (unless you have a family and your employer is not so kind to pay for them on the group medical coverage as well!)
Just what you learned so far, what do you think would be more expensive - group health insurance or individual medical insurance? If you said group medical insurance then you are on the right track to understanding the main difference between the two. Consider the cost of group medical insurance compared to the cost of individual medical insurance as follows: If your new employee to the cell next to you has cancer then guess what? They will be able to group coverage available to your group plan, although they would never be approved for an individual health insurance policy. You as a healthy person in a sense subsidizing the cost of your unhealthy colleague (and all other unhealthyhttp://www.zerotres.com/detail/link-64326.html
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