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									Health Insurance premiums are out of control! The trend of higher costs and lower benefits is on the
rise. Florida Health Insurance web suggests using an insurance professional to find the best
available rates for your individual, small business, or self employed health insurance.

Voted the number one insurance portal by Florida consumers, Florida Health Insurance Web, reports
nearly three million Floridians without health insurance in Florida. Thats nearly a quarter of the
states population. That in mind medical bankruptcy is up - the leading cause of bankruptcy today.

Every Floridian without health insurance coverage is just one illness away from financial ruin. Florida
Health Insurance Web,, advises consulting an online source
such     as      its    service,    before     choosing      any      health    insurance       policy.

In the past, applying for health insurance had been an eye opening experience for many.

The difficulty obtaining affordable health insurance rates in the sunshine state has always been
hard, but now it has reached epic proportions. Florida residents may experience any number of
insurance-related problems, including claim denials, sky-high premiums, cancellations, or refusals to
grant or renew their policies. Florida's Governor Crist vows to fix the problem and bring affordable
insurance to all Florida's residents. Democrats are pushing a health-care-reform legislation during
the current legislative session. They are sponsoring a bill that would ask voters in 2008 to insert a
guarantee in the constitution that all children in Florida would have access to health insurance by
July,                                                                                          2010.

At a recent insurance conference in Orlando, one Florida health insurance agent, Margaret

Margolas explained the process, "Before issuing a health insurance policy in Florida, insurance
companies offering individual health insurance policies evaluate certain information about you to
determine how likely you are to have a claim." This is called "underwriting."

She spoke to hundreds of business owners about health care for the uninsured and individual
company's role in delivering that health care. Margolas said, "Individuals looking for health
insurance usually cannot find policies to cover past health problems." How does someone with a
pre-existing condition get coverage? Hiring a health insurance professional "consultant" may help.
These consultants usually work at no cost to consumers; their fees are paid by the health care

For any health policy, a company might consider age, occupation, current health status and medical
history. They can also look at lifestyle, and habits to see what type of health risks a person may
have. If individual risk factors indicate that a claim is likely, the company may charge more for the
policy              or              even              worse,               refuse          coverage.

Before applying for an individual health insurance policy, lorida Health Insurance Web advises
talking to a qualified health insurance consultant for advice on which policy to choose.

Most individual health insurance companies in Florida have certain clauses regarding risk factors and
pre-existing conditions. Limits on risk and "pre-existing conditions" are a standard part of most
health plans. These limits ensure that benefits are paid only for conditions that occur naturally and
only after your health coverage becomes effective. Paying only for approved services and covered
conditions   helps    control healthcare costs       and    prevent possible insurance abuse.

The legal aspect of all this is "failure to disclose pre-existing conditions could jeopardize future
claims" or invalidate the policy. Individual health insurance companies may completely exclude
coverage for pre-existing conditions by attaching an "exclusion rider" to the policy.

If an applicant lists their pre-existing conditions on the application and the company issues coverage
without attaching an exclusion rider, the company must begin covering the pre-existing conditions
when the policy's pre-existing waiting period expires. Pre-existing condition waiting periods can be a
maximum of two years on individual policies. Exclusion riders can be in-force indefinitely.

In Florida, and in other states like Texas, if a person moves from a group, government, or church
health plan to an individual health insurance policy, they will not be subject to a new pre-existing
condition waiting periods if they had 18 months of prior coverage, with no more than 63 days lapse
in                                                                                               coverage.

What else can someone do to get individual health plans? Corporations are able to purchase health
insurance that cover pre-existing conditions for their employees so many CPA's recommend using S-
corporations status instead of individual. Simply create an S-Corp online from a state like Nevada or
Delaware,     ($350)     and     then      apply    for    insurance    under     the     corporation.

Buying insurance without an S-Corp means more limitations to your policy; chances are the end
result will be some sort of "Cash for Services" Plan, a PPO, or HMO plan. These plans are the most

Margolas says, "One word of advice when it comes to applying for an individual health insurance
policy: applicants should be forthcoming and honestly answer all questions about medical
conditions. Withholding information about an illness or medication is bad, the health insurance
company                 may               deny                subsequent                claims."

Ask questions, especially if the wording of the policy is difficult. Be sure about specifics of the health
insurance coverage. Don't be afraid to ask for clarification about policy details. For more help, have
a Florida health insurance consultant give you an explanation. Try to get answers in writing.

If a person loses health insurance coverage from their job, they may opt to continue coverage with
insurance called COBRA. COBRA stands for (Consolidated Omnibus Budget Reconciliation Act).
COBRA is a law that makes it mandatory for an employer to provide the option of retaining
membership in their health insurance plan. However applicants will have to pay the entire monthly
premium part which was paid by the company earlier. Most people are surprised at the high cost of
the      COBRA      premium;       which     may      run      up    to     500$      a    month.

If    none       of     the     above       ways      to      reduce      insurance      costs      work,

then the only way is to go for standard individual health insurance policy. As mentioned earlier they
are usually costly, but online websites can help Floridian's weed through the mounds of policies and
select          the           best          price           and          coverage          available.

About Florida Health Insurance Web Florida Health Insurance Web is an online source of health
insurance agents and insurance carriers covering individuals in the state of Florida. Individuals can
get insurance quotes, search rates online by city, read current insurance news and events.

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