Fla. Stat. 627.666
Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy

(1)

Each person who was covered by the prior insurer must be covered by the succeeding insurer; however, the prior insurer is liable for any extension of benefits in accordance with s. 627.667.

(2)

The succeeding insurer, in applying any deductible, out-of-pocket limitation, or waiting period in its plan, shall give credit for the satisfaction or partial satisfaction of the same or similar provisions under a prior plan. As to deductible provisions, the credit applies for expenses actually incurred and applied against the deductible provisions of the prior insurer’s plan during the 90 days preceding the effective date of the succeeding insurer’s plan, but only to the extent that the expenses actually incurred are recognized under the terms of the succeeding insurer’s plan and are subject to a similar deductible provision.

(3)

If a determination of the prior insurer’s benefit is required by the succeeding insurer, the prior insurer shall, at the succeeding insurer’s request, furnish a statement of the benefits available or pertinent information sufficient to permit verification of the benefit determination, or the determination itself, by the succeeding insurer. For the purposes of this subsection, benefits of the prior plan must be determined in accordance with all of the definitions, conditions, and covered expense provisions of the prior plan, rather than in accordance with the comparable provisions of the succeeding plan. The benefit determination must be made as if coverage had not been replaced by the succeeding insurer.

(4)

This section also applies upon the issuance of an insurance policy to a group whose benefits had previously been self-insured or to a self-insurer providing coverage to a group that had been previously covered by an insurer or another self-insurer.

Source: Section 627.666 — Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy, https://www.­flsenate.­gov/Laws/Statutes/2024/0627.­666 (accessed Aug. 7, 2025).

627.651
Group contracts and plans of self-insurance must meet group requirements 627.652
Group health insurance 627.653
Employee groups 627.654
Labor union, association, and small employer health alliance groups 627.655
Debtor groups 627.656
Additional groups 627.657
Provisions of group health insurance policies 627.658
Use of dividends, refunds, rate reductions, commissions, service fees 627.659
Blanket health insurance 627.660
Conditions and provisions of blanket health insurance policies 627.661
School accident insurance claims 627.662
Other provisions applicable 627.663
Franchise health insurance 627.664
Assignment of incidents of ownership in group, blanket, or franchise health policies 627.666
Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy 627.667
Extension of benefits 627.668
Optional coverage for mental and nervous disorders required 627.669
Optional coverage required for substance abuse impaired persons 627.6512
Exemption of certain group health insurance policies 627.6513
Scope 627.6515
Out-of-state groups 627.6516
Trustee groups 627.6525
Short-term health insurance 627.6551
Teacher and student groups 627.6561
Preexisting conditions 627.6562
Dependent coverage 627.6563
Full-time employment defined 627.6571
Guaranteed renewability of coverage 627.6572
Pharmacy benefit manager contracts 627.6574
Maternity care 627.6575
Coverage for newborn children 627.6577
Dental care 627.6578
Coverage for natural-born, adopted, and foster children 627.6579
Coverage for child health supervision services 627.6612
Coverage for surgical procedures and devices incident to mastectomy 627.6613
Coverage for mammograms 627.6615
Children with disabilities 627.6616
Coverage for ambulatory surgical center service 627.6617
Coverage for home health care services 627.6618
Payment of acupuncture benefits to certified acupuncturists 627.6619
Massage 627.6621
Advanced practice registered nurse services 627.6645
Notification of cancellation, expiration, nonrenewal, or change in rates 627.6646
Cancellation or nonrenewal prohibited 627.6648
Shared savings incentive program 627.6651
Replacement or termination of group, blanket, or franchise health policy or contract 627.6675
Conversion on termination of eligibility 627.6686
Coverage for individuals with autism spectrum disorder required 627.6691
Coverage for osteoporosis screening, diagnosis, treatment, and management 627.6692
Florida Health Insurance Coverage Continuation Act 627.6698
Attorney’s fees 627.6699
Employee Health Care Access Act 627.65612
Limit on preexisting conditions 627.65615
Special enrollment periods 627.65625
Prohibiting discrimination against individual participants and beneficiaries based on health status 627.65626
Insurance rebates for healthy lifestyles 627.65735
Nondiscrimination of coverage for surgical procedures 627.65736
Coverage for organ transplants 627.65745
Diabetes treatment services 627.65755
Dental procedures 627.66121
Coverage for length of stay and outpatient postsurgical care 627.66122
Requirements with respect to breast cancer and routine followup care 627.66911
Required coverage for cleft lip and cleft palate 627.66996
Restrictions on use of state and federal funds for state exchanges 627.66997
Stop-loss insurance

Current through Fall 2025

§ 627.666. Liab. of succeeding insurer on replacement of group, blanket, or franchise health insurance policy's source at flsenate​.gov