State RegulationsFL specificDifficulty 2/5
A Florida employee loses group health coverage when her employment ends. What is her conversion right?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Upon loss of group coverage, Florida law gives the covered person the right to convert to an individual health policy issued by the same insurer without evidence of insurability. Under Chapter 627, Florida Statutes, this conversion privilege prevents a person from becoming uninsurable merely because employment ended. No medical examination, employer consent, or fresh underwriting is required, although the individual policy's terms and premium may differ from the group plan.
Why the other options are wrong
- A) Conversion does not require a medical examination; that is the point of the privilege.
- B) The former employer's consent is not a condition of exercising the conversion right.
- D) Fresh underwriting as a new applicant would defeat the guaranteed nature of the conversion privilege.
Memory hook
Group ends, individual begins — no exam, no consent.