Let me start off by saying I am far from and expert in this area but common sense lead me to contribute this. I will say dealing with insurance to pay for things is a bitch and a whole different story than what I’m talking about.
In FL you can not be dropped for anything. Fuck most all insurance dish out ridiculous amounts of money for these ponzie scams rehab centers. It was really out of control and just a vacation to get high as fuck on insurance. Let me say It is a very sad thing and I feel for anyone going or as been touched by some going through addiction. Before the laws changed all the pill mill owners flipped into the rehab business and mad more money than they ever with the pill mills. I heard a piss test they charge the insurance 15,000.( now will they get that no).
In FL I know they can’t denie you for any preexisting condition and most just make you take a physical for a better rate. People make mistakes and cannot be denied care. Everything in this world causes something now a days who’s right and Wong( I realize there are guidelines w insurance). They can’t weed out the people who get cancer,unhealthy lifestyle, diabetics, addicts, thrill seekers and whatever is going to put them in the hole. I do believe they can adjust rates yearly though.
So it isn’t like car insurance, after so many strikes they label high risk and let you go the following year and where ever accident everyone is suing. When your constantly loosening money over a material thing it different than a life.