Florida Office of Insurance Regulation
The Florida Office of Insurance Regulation is chargeable for regulating all different kinds of insurance marketed in the Florida - together with health insurance policies.
If you're hunting for health insurance coverage, they've lists of insurance agents and insurance corporations licensed to carry out business in Florida. Go right listed below to know when your insurance company is licensed to carry out business in Florida. You also can test for licensed agents right listed below.
If you're experiencing difficulty resolving a claims dispute along with your insurer, you could file a grievance using the Office of Insurance Regulation. They have an internet consumer grievance kind right listed below.
Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, FL 32399
Phone : 850. 413. 3140
U. S. Department of Labor
If you will get your insurance to perform your career, your plan is likewise regulated through the U. S. Department of Labor's Employee Benefits Security Administration (EBSA). They build and enforce the policies that the employer should observe when giving health insurance coverage to staff - for instance, your employer can't only out a personal employee to exclude her due to plan as a result of she (or one in all her dependents) has a costly illness. Also, when there may be 20 or even more staff in your career, you need to be offered COBRA continuation coverage whenever you leave your career. The EBSA works to ensure that all in this happens and also your rights are safe.
If you might have worries concerning your employer's practices in administering your job-based health coverage - for instance, if you feel you ought to are offered COBRA continuation coverage, other then were not, or if you think you were wrongly terminated through your health plan - get in touch with your regional EBSA office.
U. S. Department of Labor Employee Benefits Security Administration
Atlanta Regional Office (Northern Florida)
61 Forsyth Street, SW, Suite 7B54
Atlanta, GA 30303
Howard Marsh - Director
Tel 404. 562. 2156
Fax 404. 562. 2168
U. S. Department of Labor Employee Benefits Security Administration
Miami District Office (South Florida)
8040 Peters Road, Bldg H, Suite 104
Plantation, FL 33324
Isabel Colon - Supervisor
Tel 954. 424. 4022
Fax 954. 424. 0548
Buying Individual Policies in Florida
As a general rule, insurers in Florida are permitted to reject your software for coverage based mostly on the health standing. There are many all of this general rule :
If you might have had at the very least 3 months of coverage within a cluster plan, you could be eligible to order a conversion policy. This can convert your cluster plan into a personal policy.
If you've had coverage below a personal policy or HMO, and also your coverage was terminated since the insurer became insolvent, dropped all individual coverage in Florida, or you moved from out of your policy's service space, you could be eligible to purchase a personal health insurance policy.
If you're HIPAA-eligible other then don't qualify for the conversion policy, you're guaranteed the ideal to purchase a personal health policy. This is really a rare condition, as HIPAA-eligible people are all whoever has been coated within a cluster plan AND have exhausted all COBRA continuation coverage readily out there for them.
If you're undecided if you are eligible to purchase a personal policy or maybe a conversion policy, your insurance agent or maybe the Office of Insurance Regulation may help you know.
Florida KidCare - the state Children's Health Insurance Program
Florida KidCare gives health insurance coverage for youngsters below age 19 whose family meets bound income guidelines.
Florida KidCare
P. O. Box 980
Tallahassee, FL 32302-0980
Phone : 850. 224. 5437
Florida Serving Health Insurance Needs of Elders (SHINE)
The Florida SHINE system gives costabsolutely no cost one-on-one counseling for Medicare beneficiaries along with questions on any aspect of Medicare, together with the new Part D prescription drug profit, or Medigap coverage.
Phone : 1. 800. 963. 5337
Florida Medicaid
Medicaid is really a government system created to aid the poor and indigent get health care companies. Pregnant girls and youngsters below age 19 who meet bound income requirements could be eligible for Medicaid coverage, as well as aged, blind, and disabled people. For a lot of data about eligibility, get in touch with the Department of Children and Families, Office of Economic Self Sufficiency.
Florida Medicaid
Phone : 866. 762. 2237
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