Florida 2-15 Life, Health and Variable Annuity AgentFlorida Laws and Regulations Specific to Health InsuranceEasy
A Florida resident is purchasing a new individual medical expense policy. The policy includes a provision that limits benefits for a pre-existing condition for the first 12 months after the policy's effective date. According to Florida law, what is the maximum permissible pre-existing condition exclusion period for individual health policies?
- A12 months
- B24 months
- C3 months
- D6 months
Show answer & explanationAnswer & explanation
Correct answer: A. 12 months
Florida law limits the pre-existing condition exclusion period for individual health policies to a maximum of 12 months. The question describes a policy that adheres to this maximum limit.
Why the other options are wrong
- B. This period is too long and exceeds Florida's maximum limit for individual policies.
- C. This period is too short and does not align with Florida's maximum limit for individual policies.
- D. This period is too short and does not align with Florida's maximum limit for individual policies.
FL Individual Health Pre-existing Max
Florida law limits the period an individual health insurance policy can exclude coverage for pre-existing conditions.
- Applies to individual medical expense policies.
- Maximum exclusion period is 12 months.
- Ensures timely coverage for new policyholders.
Memory trick: Florida's Individual policy 'Pre-Existing' clock stops at 12.