What are the laws governing health insurance coverage?

In Florida, health insurance coverage is regulated by the Florida Insurance Code (FIC). The FIC serves as the primary source of law governing health insurance plans in the state. Health insurance plans must comply with the mandates and requirements found in the code in order to be considered legally binding. The FIC requires that all health insurance plans must cover the 10 essential health benefits, which include preventive care, mental health and substance abuse services, hospitalization, emergency services, and prescription drugs. The code also requires that all health insurance plans must include coverage for pre-existing conditions, children up to age 26, and preventive care, such as mammograms, colonoscopies, and vaccinations. The FIC also has regulations in place to protect consumers from insurance policies that may provide inadequate coverage for their needs. For example, the FIC requires that insurers must prove that they offer plans that are reasonably priced and provide coverage for a broad range of services. The purpose of these laws is to ensure that all consumers have access to adequate coverage for their medical expenses. It is important for consumers to understand their health insurance plan and the laws that govern it in order to make informed decisions about their care. If you have any questions about your health insurance coverage, you should contact your insurance provider or a qualified legal professional.

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What are the laws governing health insurance coverage?

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