| Insurance coverage, although extremely beneficial, | | | | plan. |
| can require a significant investment. Florida | | | | There are various warning signs that may alert |
| individual health insurance is no exception. | | | | you that an insurance company may be |
| However, the risks of not having insurance can be | | | | fraudulent. When asking for proof of licensure, if |
| quite substantial. If you are uninsured, and suffer | | | | the company refuses to display their state license, |
| a serious illness or disease, or sustain a critical | | | | this may indicate they are not a valid insurance |
| injury, you will either have to suffer without | | | | carrier. Also, be cautious if the Florida individual |
| proper medical care, or pay hefty medical bills, | | | | health insurance company requires cash payments |
| potentially into hundreds of thousands of dollars. | | | | or automatic debits from your checking account. |
| But before you purchase your health care | | | | Reconsider your choice if the seller refuses to |
| program, here are some tips to protect your | | | | provide you a receipt, policy number or policy |
| investment by assisting you with securing | | | | coverage documentation. Ask for documented |
| coverage from a reputable insurance carrier. | | | | proof if the insurance salesman asserts that |
| The State of Florida has noted that certain false | | | | pre-existing conditions are covered, or that there |
| insurance carriers are attempting to sell fake | | | | are no eligibility requirements to be covered under |
| insurance plans. First, while evaluating the various | | | | the policy. |
| Florida individual health insurance plans available, call | | | | For more information on health insurance carriers |
| the local health departments to verify that the | | | | in the State of Florida, contact the Florida State |
| plans you are reviewing are legally licensed in | | | | Insurance Office. They can provide you with |
| Florida. Also, be aware of the type of solicitation, | | | | specific insurance company information, as well as |
| if any, you have received from the insurance | | | | information on other Florida health services |
| company. Fraudulent companies will generally use | | | | available. Florida also has enacted a continuation of |
| faxes, mailings, and the Internet or radio spots to | | | | coverage law that provides Florida individual health |
| advertise. Additionally, if the potential insurance | | | | insurance for an additional eighteen months to |
| carrier quotes a policy rate that is extremely | | | | certain employees who have lost their jobs, or |
| lower than other companies' quotes, be very | | | | employer provided insurance. |
| wary of the authenticity of the cheap insurance | | | | |