Preexisting Conditions and Provider Access (FL Minimums)

Insurers and HMOs offering comprehensive individual medical coverage in Florida must offer at least one comprehensive policy that does NOT exclude preexisting conditions. A preexisting medical condition is one present before the effective coverage date — regardless of whether advice, diagnosis, care, or treatment was recommended or received — identified through a pre-enrollment questionnaire or physical exam. Medical expense policies must also pay an optometrist, chiropractor, or podiatrist for specified procedures within the scope of their licenses.

Every carrier's shelf must hold at least one policy with no pre-ex asterisk — and the policy can't refuse to pay the eye doctor, back doctor, or foot doctor for covered work.