Temporary
health insurance is just that, a plan for someone who needs health
insurance for short term. It should not be used as a substitute
for a regular Florida health insurance plan.
While
the coverage is excellent and they will pay claims for your medical
expenses, once it ends, it may not be renewable.
For
example, if you had a heart attack while on the plan and then a
few months later the plan terminate, you would not be able to renew
it. Worse yet, you would not be eligible for any other health insurance
plans. Not in Florida.
So,
if you need health insurance for a few months and know that you
will then have coverage, these plans will work well for you. Otherwise,
call me about a regular Florida major medical plan.
This
plan has no height/weight question. Child-only plans are
permitted.
An
important note: If you apply online you will either use a credit
card, have the premium taken out of your checking account each month
or prepay.
If you do not use a credit card, they will be waiting for a check
for the initial premium.
Many
of you apply online and never send in the check. If you use a checking
account, they want the first month's payment directly from you.
They will not draft the initial payment from your account.
A credit card is the fastest and easiest to use.
Get
an immediate quote or apply directly online - click here
What
medical expenses are covered?
- Services of licensed Physicians, Registered Nurses, Surgeons,
Assistant Surgeon, and Anesthetist
- Prescription drugs up to $500 and injections
- X-rays and laboratory tests
- Ground ambulance service
- Pre-admission testing
- Hospital emergency room services
- Hospital services including outpatient department or ambulatory
surgical facility services
- Hospital room and board and general nursing care while confined
in a semi-private room
- Intensive care
- Chemotherapy and radiation therapy
- Intensive, cardiac, burn or other specialized care unit
- Physiotherapy
- Braces and appliances
Who
is eligible to apply?
You and your spouse (to 64 years and 11 months) and your unmarried
dependent children (between age 15 days to 19 or 23 if a full-time
student) that live with you may apply for coverage. To be considered
for coverage, proposed Insured's must not: a.) have other hospital,
major medical, health, governmental, or medical insurance coverage
in force that will not terminate prior to the Effective Date of
the plan; b.) be pregnant or the expectant father of an unborn child
on the Effective Date; c.) have been declined for insurance due
to health reasons; or d.) have received consultation or treatment,
within the past five years, for any conditions identified on the
application.
When does my coverage start?
Your coverage begins at 12:01 a.m. (where you live) on the Policy
date listed on the application or the day after the postmark date
on your application envelope, whichever is
later. If your envelope is not postmarked by the U.S. Postal Service
or the postmark is illegible, your Policy date will be the later
of the date you request or the date HPA, Inc.
receives the application.
Is there a Pre-Existing Condition limitation?
Yes, Pre-Existing Conditions are not covered. A Pre-Existing Condition
is defined as: 1.) the existence of symptoms within the 12 months
immediately prior to the Insured’s
Effective Date or, 2.) any condition which originates, is diagnosed,
treated, or recommended for treatment or for which medication was
prescribed or recommended within the 12 months immediately prior
to the Insured’s Effective Date.
Qualifying
Questions - Click here to see if you qualify for a Florida temporary
health insurance plan
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