Florida Health Insurance Dropping Coverage?

Question

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?

Answer 1

Call the Insurance Commissioner for the state of Florida.

Answer 2

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...

http://www.realtimehealthquotes.com/Flor...