Health Insurance Portability & Accountability Act
Individual Market Carriers
The following is a list of all companies that have advised the Florida
Department of Financial Services, Office of Insurance Regulation that they are
marketing guaranteed issue health insurance policies for eligible individuals as
defined by Section 627.6487(3), Florida Statutes. Companies offer two types of
guaranteed issue policies: instate and out-of-state group. Instate policies are
policies that are filed and approved with the Florida Department of Financial
Services, Office of Insurance Regulation. They must meet certain minimum
standards regarding benefits offered. Their rates must also be approved by the
Office of Insurance Regulation.
Health Savings Account (HSA) availability information is provided below;
however, these plans may not be available on a guaranteed issue basis. Please
inquire with the insurer or HMO to determine if this plan is available per
627.6487 Florida Statutes.
The following companies are currently offering in-state guaranteed issue
policies:
| Company |
Contact Number |
Offer Health Savings
Account? |
| Aetna Life Insurance Company |
800-694-3258 |
Y |
| Avahealth, Inc. d/b/a Avalon Healthcare, Inc. |
877-280-0010
|
Y |
| Bankers Life & Casualty |
800-888-4918
or visit www.BankersLife.com to find a local office |
No |
| Blue Cross & Blue Shield of Florida, Inc. |
800-766-3737
|
Y* |
| Connecticut General Life Insurance Company |
866-438-2446 |
Y |
| Coventry Life and Health Insurance Company |
866-574-5014
TDD:
888-444-7352 |
Y |
| Humana Health Insurance Company of Florida |
800-833-6916 |
Y |
| * The HSA policy is not available
on a guaranteed issue basis. |
Out-of-state group policies are policies that are made available by insurance
companies to various interest groups that are not based in Florida. Their policy
terms and premium rates are not filed with the Florida Department of Financial
Services, Office of Insurance Regulation, because they are not being sold to a
group in Florida, but if a Florida resident wishes to purchase such coverage
they may join the group that sponsors the coverage. Out-of-state group insurance
certificates must contain either one of the following printed on the front page
of the certificate:
"The benefits of the policy providing your coverage are governed primarily by
the law of a state other than Florida"; and/or
"This policy is primarily governed by the laws of insert state where the
master policy if filed . As a result, all of the rating laws applicable to
policies filed in this state do not apply to this coverage, which may result in
increases in your premium at renewal that would not be permissible under a
Florida-approved policy. Any purchase of individual health insurance should be
considered carefully, as future medical conditions may make it impossible to
qualify for another individual health policy. For information concerning
individual health coverage under a Florida-approved policy, consult your agent
or the Florida Department of Financial Services."
To obtain further information please contact the Department of Financial
Services, Consumer Services Division at 1-877-MY-FL-CFO (1-877-693-5236).
The following companies offer out-of-state group guaranteed issue policies:
| Company |
Contact Number |
Offer Health Savings
Account? |
Aetna Life Insurance Company *
* Available for individuals age 50 and above who are AARP
members |
1-866-844-0888
|
Y |
| American Medical Security Life Insurance Company |
800-232-5432 x17283 |
Y |
| Best Life and Health Insurance Company |
1-800-231-9045 |
N |
| Celtic Insurance Company |
800-477-7870 |
N |
| Continental General Insurance Company |
1-800-545-8905 |
Y |
| Fidelity Security Life Insurance Company |
800-446-1223 |
Y |
| Freedom Life Insurance Company of America |
800-387-9027 |
Early 2005 |
| Golden Rule Insurance Company |
800-444-8990 |
Y |
| Guarantee Trust Life Insurance Company |
800-265-7977 |
N |
| John Alden Life Insurance Company |
800-768-6288 |
Y |
| Mega Life & Health Insurance Company |
800-527-5504 |
Intends to offer |
| Mid-West National Life Insurance Company of TN |
800-733-1110 |
Intends to offer |
| Time Insurance Company |
800-800-1212, x8335 |
Y |
| United American Insurance Company |
800-825-6767 |
N |
| World Insurance Company |
1-800-786-7557 |
N |
Updated:
10/26/2009
Health
Maintenance Organizations
Health Insurance Portability
& Accountability Act
Individual
Market Carriers
The following is a list of
Health Maintenance
Organizations (HMO) that
have advised the Florida
Department of Financial
Services, Office of
Insurance Regulation that
they are marketing
guaranteed issue health
insurance policies for
eligible individuals as
defined by Section
627.6487(3), Florida
Statutes.
| Company |
Contact Number |
Offer Health Savings
Account? |
| Aetna Health, Inc. |
800-694-3258 |
Y |
| Citrus Health Care, Inc. |
877-624-8787 |
N |
| Medica Health Plans of Florida |
1-800-719-9531
or local 305-460-0675
|
N |
| Health Options, Inc. |
800-766-3737 |
N |
| Preferred Medical Plan, Inc. |
800-767-5551 (outside of Dade Co)
305-648-4011 (in Dade Co) |
N |
| Total Health Choice, Inc. |
800-887-6888 |
2005 |
| Universal Health Care, Inc. |
866-690-4842 |
N |
| Vista Healthplan of South Florida, Inc. |
866-275-4773 |
Late 2005 |
Updated:
10/26/2009
|
