Florida Health Insurance

Uninsurable or Having Difficulty Finding Health Insurance?

Main Page Florida Health Insurance - with a complete listing of carriers and plans
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The plans found on this page offer solutions for those that have had or may have difficulty obtaining individual health insurance plans. 

COBRA Ending - Uninsurable - HIPAA Guaranteed Issue Plans

These are individual health insurance plans offered to people that have met certain conditions including (you have to meet all these conditions)

  1. You do not have other health insurance (or it will be terminated involuntarily)

  2. You have been insured by creditable coverage for the last 18 months or more with no lapse of coverage for more than 63 days

  3. Your most recent coverage was under a group health plan, a government plan, or a church plan, or an individual plan that terminated due to: the insurer's insolvency, the insurer's discontinuance of all it's individual coverage in Florida; or the fact that you no longer live in a Florida service area of my prior insurer's network plan

  4. Your most recent coverage was not terminated due to nonpayment of premiums, fraud, or intentional misrepresentations

  5. You are not eligible for any coverage under a conversion plan, a group health plan, Medicare or Medicaid

  6. You accepted and exhausted any group continuation of coverage (including COBRA) that was offered to you

Carriers offer two of their individual health insurance plans only.  A person must apply within 63 days of their group plan ending.  It is best to apply before the group plan ends.  The HIPAA plan starts the day after the group plan ends either way.  HIPAA plans must accept qualified people without exclusion riders.  Because the carriers must accept qualified people, they can charge 200% of the standard rate. 

Please contact me, John K Arnold to discuss.

Secure 12 X 3 Plan

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To determine if you qualify for this plan please answer the following questions.
NOTE: IF “YES” IS ANSWERED ON ANY QUESTION 1 THROUGH 6, COVERAGE CANNOT BE ISSUED.
If you can answer "NO" to the following questions, you are eligible for the health Secure 12 X 3 temporary health insurance plan:

  1. Will there be any other health insurance in force on the policy date?.

  2. Is the proposed insured, spouse, or any dependent child now pregnant ?

  3. Is any proposed insured currently eligible for Medicaid?

  4. Within the past 5 years have you or any person proposed for coverage been aware of, diagnosed, treated by a member of the medical profession, or taken medication for cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, liver disorder, degenerative disc disease or herniation/bulge, rheumatoid arthritis, degenerative joint disease of the knee, insulin -dependant diabetes (not applicable to DC residents) alcohol abuse or chemical dependency?

  5. Have you or any person proposed for coverage been diagnosed or treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex, or any other immune system disorder? Answer this question “no” if you have tested positive for HIV but have not developed symptoms of the disease AIDS

  6. Has any person proposed for coverage not been a legal resident of the United States for the last 12 consecutive months?

You can apply for three consecutive 12 month coverage periods, up to a maximum of 36 months in all.

Anytime you are without insurance, you are running a risk. You may not have a health problem now, but insurance is for the unexpected. Secure 12x3 STM allows you and your family to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.

Eligibility:

Secure 12x3 STM is offered to members and their spouses under 65 and their dependent children under age 19 (or under age 25 if a full-time student) who have a social security number and can answer 'no' to the health questions on the application. Children age 19 and over should apply separately. Child-only coverage is available for ages 2 through 18.

Featuring...

bullet  Option for up to three 12 month coverage periods
bullet  Includes Rx Drug Card - up to $10 for Generic Drugs
bullet  $25 per doctor office visit
bullet  $500 Supplemental Accident Option
bullet  Choose any doctor or hospital
bullet  Choice of $500, $1,000,$2,500, and $5,000 deductibles  
bullet  Accept payment by: check, money order, MasterCard, Visa, Discover or automatic monthly bank draft

Next Day Coverage Available!
 
 The insurance can be effective as early as 12:01 a.m. the next day after the transmission date. However, the applicant can choose a later effective date not to exceed 60 days from transmission date. Coverage ends on termination date listed in your policy.

Value Med Insurance Plan  - This is also a great plan for people with a high deductible health insurance plan

The Value Med Insurance Plan is a scheduled benefit plan. 

Get Quotes

To determine if you qualify for this plan please answer the following questions.   If you can answer No to these questions you qualify.

  1. Within the past 12 months has any person to be insured been confined to a hospital, nursing home or other medical facility?

  2. In the past 24 months has any person to be insured been diagnosed or treated by a medical professional for a heart condition, stroke, internal cancer or malignant melanoma, chronic obstructive lung disease, insulin dependent diabetes, chronic liver or chronic kidney disease?

  3. Has any person to be insured tested positive for exposure to the HIV infection or been diagnosed as having ARC or AIDS?

Some Plan Information

Sickness & Accident, Hospital & Medical Insurance
THIS POLICY PROVIDES LIMITED BENEFITS
 
• Benefits are Paid Directly to You*
• No Deductible or Co-pays
• Pays Benefits in Addition to any Other Insurance
• Issue Ages 18 through 64
• Dependent Child Coverage Available to Age 19 or 25 if   a Full Time Student****
• Use any Doctor, Hospital or Licensed Provider
• Preexisting Conditions Incurred within the 12 Month   Period Preceding the Effective Date are Covered after   12 Months**
• Your Rates Cannot Increase Due to Your Advanced   Age or Declining Health***
• Guaranteed Renewable to age 65
 
 
VALUE MED PLAN BENEFIT SCHEDULE PAYS
Doctors Office Visits Pays up to 10 Doctor Office visits per calendar year for each insured adult and up to 5 per calendar year for all insured children combined. Doctor Office visits are limited to one per week, except in Maryland. $75 per visit
Hospital Outpatient Visits Pays for Doctors treatment, medical supplies, x-ray and lab tests. Outpatient Benefit maximum per calendar year is $1,000 per insured and $1000 for each covered child. Up to $250 per visit
Ambulance Services Pays ambulance expense per sickness or accident $200 maximum per sickness or accident
Hospital Confinement Pays $100 per day, beginning on the 1st day of hospital confinement, up to 365 days. Option for $500 per day is available.***** $100 or $500
 

Value ER Plan - This is also a great plan for people with a high deductible health insurance plan

To see plan details and get a quote Value ER Plan

Some Plan Information

24 Hour Emergency Room
Coverage for Sickness & Accidental Injuries
 
• Discount & Savings - Earn dividends through The   Dividend Club Merchandise, Travel, Entertainment and   more
• Family Keys Program - Unique Software that helps   you organize your personal and financial information
• Benefit provides up to $1,000.00 per Hospital   Emergency Room visit,up to 2 times per year - per   family (Benefits are subject to a $100 deductible)
• Affordable monthly cost of $20 for Single or Family   Coverage
• Issue Ages Through Age 69

24 Hour Accident Coverage  - This is also a great plan for people with a high deductible health insurance plan

To see plan details and get a quote 24 Hour Accident Coverage

Some Plan Information

Accident Expense Coverage for Members and their Families
 
• Pays 100% of Covered Medical Expenses after satisfaction of the $100 or $250 Deductible up to the coverage maximum
•Benefits are paid directly to you
•Use any doctor or hospital
•Accidental Death & Dismemberment benefits
•Emergency Helicopter Air Ambulance benefits
• Automatic acceptance through age 69

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John K. Arnold
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address  www.floridahealthinsurance.com
E-Mail: John K Arnold    

Phone: 407-592-0311
Fax:     407-386-7053

If outside the US, it is best to e-mail as we can respond more quickly.  Thanks.

Let me know how I can help you.

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