Conversion Privilege (FL Group Health)

A Florida group policy providing hospital, surgical, or major medical expense coverage on an expense-incurred basis must let an employee or member whose coverage terminated — for any reason, after being continuously insured for at least three (3) months immediately before termination — obtain a converted policy. Not available if the group insurance ended for premium nonpayment or the group coverage was replaced by similar coverage within 31 days. Written application plus the first premium must reach the insurer within sixty-three (63) days after termination; the converted policy is issued without evidence of insurability, its premium may not exceed 200% of the standard risk rate, and the insurer may substitute group coverage for the individual converted policy.

Lose the group, keep the coverage: 3 months in, 63 days to act, no medical questions, up to double the standard rate.