State RegulationsFL specificDifficulty 2/5
Which statement about the individual policy issued upon conversion from a Florida group health plan is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A conversion policy is a new individual contract: the insurer is not required to duplicate the group plan's exact benefits, but the converted policy must comply with Florida's minimum standards for individual health policies. Under Chapter 627, Florida Statutes, the conversion right guarantees access to individual coverage, not an identical copy of group coverage. The insurer also may not eliminate coverage for conditions treated under the group plan, and only one policy is issued per person who converts.
Why the other options are wrong
- A) The conversion policy's benefits may reasonably differ from the group plan's benefits.
- C) Excluding conditions treated under the group plan would gut the conversion privilege; coverage continues without such exclusion.
- D) Each person who converts receives an individual policy; the whole group is not rolled into one contract.
Memory hook
Convert = own policy, still protected.