Frequently Asked Questions

The following Questions and Answers are the most frequently asked regarding Cover Florida:

Q: Is Cover Florida a guaranteed issue policy?                                                                                          A: Yes, Cover Florida offers guaranteed issue policies to all individuals (age 19-64) and their dependents.

Q: Who is Cover Florida available to?                                                                                                       A: Cover Florida is available to individuals and groups 2-50 in size.

Q: Is Cover Florida credible coverage?                                                                                                      A: Yes, the State of Florida requires these plans to be credible coverage.

Q: What United Healthcare network does Cover Florida utilize?                                                             A: Enrollees have access to United HealthCare's Options PPO Network.

Q: Is pregnancy covered under Cover Florida plans?                                                                                A: Yes, pregnancy is not treated as a pre-existing condition and would be covered up to the policy limits.

Q: What do I need to include in my submission for coverage?                                                                  A: Individuals MUST include all of the following: individual application, individual enrollment form and the first month's premium check. Groups MUST INCLUDE all of the following: Employer application, employer enrollment form and a first month's premium check. Note: the premium check must be mailed, but the forms can be faxed or e-mailed to Benefit Advisors (do not send submissions to your normal Florida Sales office). If sending the forms by fax or e-mail, please make a copy of the first page of the application and include it with the mailed check so that we know what application it belongs to.

Q: When will my plan become effective?                                                                                                  A: The deadline for the following month's enrollment is the 15th of the month prior to the effective date. If the 15th falls on a weekend, the deadline is 12:00 p.m. on the Friday prior.

For example: For an April 1 effective date - A scanned/faxed copy of ALL completed submission paperwork (including a copy of the check) must be received by Benefit Advisors no later than noon on Monday, March 15, 2010. Your paperwork will then be processed and your policy will take effect on April 1, 2010. If your paperwork is not received by noon on the 15th or the Friday prior, the effective date will be pushed back another month.

Q: Is a 1-man group the same as an individual?                                                                                        A: Yes, 1 life groups are the individual rates as well as the rates for groups the size of one. Groups must consist of at least TWO people (even if only one is applying) in order to qualify for the group rates.