From Pinellas Park, Florida, USA:
I currently have private insurance coverage through an employer, however, I am currently looking at starting my own company. My wife has received nothing but rejection from the major insurance companies because of the medical history of my daughter. Is there someone out there who will issue individual policies? Do you have any suggestions?
If you cannot find replacement health insurance coverage, why not continue your current coverage by invoking your right of participation in COBRA. COBRA coverage allows individuals enrolled in employer sponsored group plans to continue their coverage for up to 18 months. However, the enrollee is responsible for the entire premium (the employer's premium plus any contribution for coverage paid by the employee), plus a 2% administrative fee. While sometimes expensive. it is better than no coverage at all. Check with your benefits office for more information about continuation coverage under COBRA After your COBRA coverage runs, you may be able to convert your group coverage into an individual (family) plan. Check the booklet issued by the insurance carrier for more information about this benefit. Some states also require companies to offer special plans for small business. For more information about health insurance in Florida, check out A Consumer’s Guide to Getting and Keeping Health Insurance in Florida.
Original posting 16 Aug 2006
Posted to Insurance/Costs
Last Updated: Tuesday April 06, 2010 15:10:08
This Internet site provides information of a general nature and is designed for educational purposes only. If you have any concerns about your own health or the health of your child, you should always consult with a physician or other health care professional.
This site is published by T-1 Today, Inc. (d/b/a Children with Diabetes), a 501c3 not-for-profit organization, which is responsible for its contents. Our mission is to provide education and support to families living with type 1 diabetes.
© Children with Diabetes, Inc. 1995-2018. Comments and Feedback.