19.5.17 Cleft Lip and Palate
Under Florida law, if any insurance policy covers a child under age 18, coverage must be provided for treatment of cleft lip and cleft palate for the child. If such services are deemed medically necessary and prescribed by a treating physician or surgeon, insurers must cover the following services.
- Medical
- Dental
- Speech therapy
- Audiology
- Nutrition
In addition, a health insurance company may not refuse coverage or require a higher premium solely because the person to be insured has the sickle-cell trait or solely because of their sex or marital status. This would violate the Florida rules on discrimination.
1 |
Section 19.5 ReviewFlorida law prohibits individual health insurance policies (other than disability income) from excluding coverage for a preexisting condition for longer than 24 months following the effective date of coverage for a condition that had manifested 24 months prior to coverage. |
2 |
Florida law allows life insurance applicants 30 days (free look period) to inspect a policy that is delivered with the intent of issuing insurance coverage. |
3 |
The Lapse Notice required for policyowners age 64 years or older gives the policyowner an additional _______ in which to prevent the policy from lapse because of nonpayment. |
4 |
When a handicapped child has been afforded coverage under a family policy, when the child becomes ________ coverage is usually terminated. |
5 |
Health insurance coverage for any newborn child of an insured individual must be provided for a period of at least: |
