Beginning June 1, 2010, a $5 billion temporary early retiree reinsurance program began helping covering and stabilizing early retirees--those who retired before they became eligible for Medicare and health coverage through their employer. As of the 2010 Florida Health Care Act, over seven million state residents with health insurance continue to receive it; individuals who choose to pick a provider may do so without government restriction.
Medical Claims
According to the Act, Health insurers offering new plans need to develop an appeals process to make it easy for enrollees to dispute medical claim denials, like finding that your insurer did not cover a routine medication expense.
Doctors
In any Florida health care plan, beneficiaries have a full choice of which doctors to see. Members in new health care plans may pick any participating primary care provider, including OB-GYN physicians and emergency care providers without any pre-approval requirements.
Children's Coverage
As of September 23, 2010, Florida health care plans and providers that offer coverage to children on their parents' policy must allow children to remain on their parents' policy until they turn 26. If the child gets a job that offers another health care coverage plan, they switch at their own will. This part of the Florida Health Care Act insures over 86,000 young citizens who can enjoy health care benefits through a parental plan.
Community
The Florida Health Care Act increased funding for Community Health Centers, allowing more physicians to see more patients in centers, like nursing homes. The funding provided by the Act also supports construction projects for new centers.
Insurance Companies
The Act secures that insurance companies are no longer able to place lifetime limits on coverage. This means Florida residents with private insurance coverage do not have to lose sleep fretting about whether their coverage plan will suddenly expire. Insurance companies, under the Florida Health Care Act, are also banned from dropping coverage when a members gets sick, a dishonest insurance practice that, prior to the 2010 act, caused thousands of residents unnecessary hardship.
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