A Helpful Summary of Florida Medical Insurance Terms
The Georgetown University Health Policy Institute has researched and published a series of health insurance summary guides that briefly summarize the health insurance requirements in each state throughout the United States. In preparing the summary guides, a review is made of the state's regulatory requirements pertaining to health insurance, as well as applicable Federal requirements that apply throughout the USA. In addition, state-specific plans offered by a state's government as the state's Medicare implementation are reviewed and summarized in the guides.
Regulations associated with health insurance are quite complex, and most current state regulations are derived from the Federal regulations known as the Health Insurance Portability and Accountability Act (HIPAA). In the Georgetown health insurance state guides, the HIPAA requirements pertaining to group health insurance, treatment of pre-existing conditions, COBRA coverage and insurance portability are all addressed. By following the HIPAA guidelines carefully, a person may keep full-coverage health insurance indefinitely after no longer being qualified for an eligible group plan. However, the timeline requirements are strictly enforced and, as coverage is provided farther away in time from the original health plan, the health coverage levels and premium rates will generally become less beneficial.
Since understanding both HIPAA regulations and state-managed Medicare programs will be vitally important to finding quality long-term health insurance, the Georgetown summaries should be required information early in the task of finding new health insurance. These guides are updated periodically by Georgetown University's Health Policy Institute and offer a current and comprehensive look at health care benefits in each state. Click below to review the full Consumer's Guide to Getting and Keeping Health Insurance for your state.