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Rules for Group health insurance plan, sponsored by the employer remain the same in all the states as it is set by the Federal government. Each state might modify the rules to protect the employees. One of the main rules maintains that employer may not base eligibility of the employee for the group health plan on basis of his/her current health status. However employers can introduce temporary exclusion period, which is limited to 12 months. Rules also allow employee about 30 days to opt for the group health insurance plan or change the health plan.

However with individual health insurance plans rules differ from state to state. You can be refused any individual health insurance plan on basis of pre existing health conditions or health status. There are some states however, that mandate guaranteed issue. Benefits and coverage are very limited in individual health insurance plans ? for examples benefits such as maternity and prescription drugs. Many individual health plans have high deductibles and the premiums costs vary from state to state. Insurers have the right to investigate past medical history and decide your health status and then decide your premium too.

Before signing on the dotted line, you might want to check with your state insurance department regarding the history of the health insurance company. You might want to stay away from health insurers who have a huge number of unresolved complaints.

Belleview Florida
City of Belleview
Zip codes:34420 & 34421
County Info

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