Pre-existing Conditions in Health Insurance Policy Florida FL
Reader’s Question:
I was offered a new job with better salary and benefits here in Florida. While this excites me a lot, I’m concerned about my health insurance coverage. A few months back I was found to have diabetes. How will this affect my new health insurance coverage?
Jerry
Miami, FL
This did use to concern many people who have already been diagnosed with some medical condition and find themselves in a position where they have to get a new policy. You should be glad to know though that this problem has already been addressed. There is a piece of legislation called Health Insurance Portability and Accountability Act (or HIPAA for short), which states that your new health insurance company has got to cover the treatments and other costs of your pre-existing medical condition.
A pre-existing condition is an illness or any kind of condition you have had before signing a health insurance policy contract. It means that you have already seen a doctor or sought his or her advice on this condition. You are bound by the law to declare these when you purchase health insurance coverage. Some insurers do cover pre-existing conditions. Others, on the other hand, make you wait for a period of about six months before they start coverage. You should really review your contract carefully. In most states, health insurance companies are not allowed to have this kind of provision with a limitation over six months. So check with your insurer there in Florida.
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