Q: Can I convert my group health insurance through my employer to an individual plan?

Yes, you can. You must notify the insurance company and assume premium payments.

Q. Can my health insurance company refuse to renew my individual policy?

It depends on the language of the specific policy and the provisions of Florida statutes.

Q. My health insurance premium has increased by 30%. Can the insurance company do this?

Health insurance premium increases occur based on something called "actuarial projections." If you think your premium has been increased unfairly, contact your insurer, the Florida Department of Insurance and seek legal advice.

Q. What is a PPO plan?

Preferred Providers of Service (healthcare professionals and hospitals) contract with insurance companies to offer medical services to their policyholders at pre-negotiated prices.

Q. How long can a company wait to pay a medical claim?

Under Florida statues, the company has 45 days to pay or deny payment unless more information is requested. If that is the case, the company has a maximum of 120 days to pay or deny the claim.

Q. What is an HMO?

An HMO is an alternative method of delivering health services. Primary care physicians are prepaid by the insurance company for each patient, and the physician manages the patient's care. Visits to specialists require a pre-authorization from the primary care physician.