Division of Consumer Services

Health Insurance Portability & Accountability Act
Individual Market Carriers

The following is a list of all companies that have advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing guaranteed issue health insurance policies for eligible individuals as defined by Section 627.6487(3), Florida Statutes. Companies offer two types of guaranteed issue policies: instate and out-of-state group. Instate policies are policies that are filed and approved with the Florida Department of Financial Services, Office of Insurance Regulation. They must meet certain minimum standards regarding benefits offered. Their rates must also be approved by the Office of Insurance Regulation.

Health Savings Account (HSA) availability information is provided below; however, these plans may not be available on a guaranteed issue basis. Please inquire with the insurer or HMO to determine if this plan is available per 627.6487 Florida Statutes.

The following companies are currently offering in-state guaranteed issue policies:

Company	Contact Number	Offer Health Savings Account?
Aetna Life Insurance Company	800-694-3258	Y
Avalon Healthcare, Inc.	877-280-0010	Y
Blue Cross & Blue Shield of Florida, Inc.	800-766-3737	Y*
Humana Health Insurance Company of Florida	800-833-6916	Y
* The HSA policy is not available on a guaranteed issue basis.

Out-of-state group policies are policies that are made available by insurance companies to various interest groups that are not based in Florida. Their policy terms and premium rates are not filed with the Florida Department of Financial Services, Office of Insurance Regulation, because they are not being sold to a group in Florida, but if a Florida resident wishes to purchase such coverage they may join the group that sponsors the coverage. Out-of-state group insurance certificates must contain either one of the following printed on the front page of the certificate:

"The benefits of the policy providing your coverage are governed primarily by the law of a state other than Florida"; and/or

"This policy is primarily governed by the laws of insert state where the master policy if filed . As a result, all of the rating laws applicable to policies filed in this state do not apply to this coverage, which may result in increases in your premium at renewal that would not be permissible under a Florida-approved policy. Any purchase of individual health insurance should be considered carefully, as future medical conditions may make it impossible to qualify for another individual health policy. For information concerning individual health coverage under a Florida-approved policy, consult your agent or the Florida Department of Financial Services."

To obtain further information please contact the Department of Financial Services, Consumer Services Division at (800) 342-2762.

The following companies offer out-of-state group guaranteed issue policies:

Company	Contact Number	Offer Health Savings Account?
Aetna Life Insurance Company * * Available for individuals age 50 and above who are AARP members	1-866-844-0888	Y
American Medical Security Life Insurance Company	800-232-5432 x17283	Y
Best Life and Health Insurance Company	1-800-231-9045	N
Celtic Insurance Company	800-477-7870	N
Continental General Insurance Company	1-800-545-8905	Y
Empire Fire and Marine Insurance Company	800-878-0011	Early 2005
Fidelity Security Life Insurance Company	800-446-1223	Y
Freedom Life Insurance Company of America	800-387-9027	Early 2005
Golden Rule Insurance Company	800-444-8990	Y
John Alden Life Insurance Company	800-768-6288	Y
Medical Savings Insurance Company	800-589-8911, option 0	Y
Mega Life & Health Insurance Company	800-527-5504	Intends to offer
Mid-West National Life Insurance Company of TN	800-733-1110	Intends to offer
Time Insurance Company	800-800-1212, x8335	Y
United American Insurance Company	800-825-6767	N
World Insurance Company	1-800-786-7557	N