Charles Rutenberg Realty

ASSOCIATION GROUP BENEFITS PROGRAM

Notes:   July 28, 2009

Charles Rutenberg Realty is proud to offer a new HEALTH INSURANCE PROGRAM to all of our associated agents in Florida.

Our new program allows you to select from FOUR Guaranteed Issue, HIPAA compliant plans, meaning that you cannot be declined and IF you are continuing coverage from any other HIPAA compliant plan you will not have a pre-existing condition clause.

Call us at 813-949-9131 and we will answer your questions about HIPAA.

TO OPEN OUR NEW ASSOCIATION BENEFITS WEBSITE

 

Many of the participants in our group insurance program have asked about conversion of their UHC Group insurance, to a UHC Individual policy.
 
Here are the details;
 
1. WHEN your group insurance is cancelled you will be allowed to CONVERT it to an individual policy, without any restrictions or limitations.
 
2. UHC offers FOUR different benefit levels - $500, $1,000, $2,000 deductibles and a  Florida Standard Plan.
 
3. You are also eligible for a conversion under the HIPAA "rules" but, in most cases that option will be cost inhibitive.
 
4.  You are also eligible to apply for the Florida Sole Proprietor Group insurance program, but you MUST apply during the month of August for an October 1 effective date.  The rates will be very high, and they can rate you up for medical conditions, so that option is not a very good one.
 
5.  IF you are "insurable", you may be able to get approved for an Individual policy.  
 

Call 813-949-9131 for rates & option details.

 

  

How does HIPAA apply when changing from group health coverage to an individual insurance policy?

HIPAA protects those who are otherwise unable to get group health insurance.

The law guarantees access to individual insurance policies and state high-risk pools for eligible individuals. They must meet all of the following criteria:

  • Had coverage for at least 18 months, most recently in a group health plan, without a significant break;

  • Lost group coverage but not because of fraud or nonpayment of premiums;

  • Are not eligible for COBRA coverage; or if COBRA coverage was offered under Federal or state law, elected and exhausted it; and

  • Are not eligible for coverage under another group health plan, Medicare, or Medicaid; or have any other health insurance coverage.

The opportunity to buy an individual policy is the same whether a person quits a job, was fired, or was laid off.


NOTE: We also offer AVALON HEALTHCARE Major Medical plan for applicants who prefer to maintain private major medical insurance, and can get approved for it.  CLICK HERE