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My Insurance lapsed
Jul 2, 2007

I live in Florida and my insurance lapsed whilst away for more than 63 days/ I had group of one insurance through my company as sole employee. I hear I am unable to get an idividual policy becuase of my pre existing condition (hiv). Can I get new insurance through group of one imediatley or do I have to wait for a prexisting clause period of time? Any suggestions how I can get cover again?

Response from Ms. Franzoi

Since you let your coverage lapse, you are in a difficult situation. You can apply for coverage under an individual contract or a group contract for a small group under your company. However, the insurance company could decline to cover you. If this happens, check to see if Florida offers a major risk medical insurance program for individuals who have been denied coverage.

Individual PPO to employer

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