Question

Florida law requires health insurance policies and HMO contracts to provide coverage for all medically necessary equipment, supplies and services used to treat diabetes when the patient's physician certifies that they are medically necessary. What does Florida law require health insurance policies and HMO contracts to provide coverage for?

1) All medically necessary equipment
2) All medically necessary supplies
3) All medically necessary services
4) All of the above

Answer 1

Florida law mandates that health insurance policies and HMO contracts cover all medically necessary equipment, supplies, and services for diabetes treatment, once the deductible is paid. This includes both fee-for-service and HMO healthcare plans.

Step-by-step explanation:

Florida law requires health insurance policies and health maintenance organizations (HMOs) to provide coverage for all medically necessary equipment, supplies, and services used to treat diabetes when the patient's physician certifies that they are medically necessary. Therefore, the correct answer is (4) All of the above: all medically necessary equipment, supplies, and services for diabetes treatment are required to be covered.

This means that when a deductible is met, the policyholder's insurance must start to cover these diabetes-related needs. In a fee-for-service system, payments to medical care providers are based on the specific services they provide, while HMOs operate on a fixed fee structure based on patient enrollment. Both types of plans must adhere to the Florida law regarding diabetes treatment coverage.