EPA disrespectful Florida politicians regarding phosphate radiation

Florida phosphate dilemma began a lifetime ago, when fate and the Army Corps of Engineers had to disclose a valuable resource called phosphate (4). Few Floridians know, born phosphate industry Florida.

Florida phosphate industry can trace its roots back to the Coronet phosphate company started in 1906, (4) production was a little over the years, because the extraction of phosphate while back-breaking work with picks, shovels and wheelbarrows in mosquito infested areas. In the mid-20th century (2), phosphate mining changed forever, the introduction line resistance.

The history of the mining industry continues in the 1950s Smith Douglas Corp., located in Norfolk, Virginia about 1960. Agrika Chemical Co. bought and operates phosphate mines to 1973. At that time, Gardinier, a French mining company has acquired and manages the main Florida phosphate mine. (1)

I remember Gardinier phosphate trucks passing through the city of Brandon, Florida State Road on Highway 60 in the 1970s. In the southwestern part of Central Florida, Highway 60 & # 39; is a major freight route of the largest phosphate mines in Bartoli and Mulberry, and other sites, as well as the delivery port in Tampa, Florida.

In 1985, Cargill Fertilizer, Inc. bought and operated phosphate mines until 1994, when Mosaic Co. acquired phosphate mine and still owns them today.

As you can see, the phosphate industry since the 1950s to the present day has passed environmental catastrophe to the next owner of the mining company, one after another for more than 70 years. That is how long it took to build the mountainous stacks of gypsum we see today in the Florida landscape. Radioactive gypsum stacks took a generation to do.

Over the last 70 years, you may ask, where are the elected officials in Florida are? elected officials stand with Florida phosphate industry for decades. Florida's elected officials and the owners of the phosphate mine love money enough to fight with the federal government, the draft EPA Superfund, and countless trials of the environment on the basis of keeping mines open for business, seemingly oblivious to the residents of Florida.

elected officials in Florida say that the phosphate industry is too important to the economy of the state to impose fines or force the phosphate industry to neutralize their strong man-made environmental disasters. Can I say to elected officials in Florida do not protect their components for all the strong dollar? You bet your bottom myself. These statements are based on well-known facts, and not just my opinion, as you see, please read on.

The following example will give you some idea of ​​the political power in the phosphate mining. In 2003, EPA officials said the potential problem in Lakeland, Florida. The problem was so bad that they (EPA) reviewed certain subsections in Lakeland, Florida, to be candidates for the extra cleaning action. In addition, low-income and minority communities may also be affected, internal documents show.

However, elected officials in Florida intervened, and the project agency (EPA) Superfund made a little more in the way of studying this issue for the next decade. Locals kept from hearing problems EPA, and have not made any remedial measures. In addition, no local news or national news branch did not mention the contaminated residential properties in Lakeland, Florida subsections. How can this be, you ask?

Industry owners phosphate mine in Florida, which is the champion of the second largest manufacturing industry revenue in Florida (2), made it known that they are strongly opposed to EPA declaring parcels Superfund sites. Such a move would make the mining companies responsible for up to $ 11 billion in cleanup costs, according to the estimates of the potential of the & # 39; the volume of pollution that the Inspector General of the EPA, included in the 2004 report.

EPA gave its argument after years of battle with Florida politicians and phosphate industry officials on cleaning phosphate mining toxic waste "in an area that can put more than 100,000 residents levels of radiation that cause cancer.» EPA claims and leave his elected officials in Florida, to decide the fate of sites in and around Lakeland, Florida.

As described above, the EPA made a little not to escalate the issue to the Lakeland area until 2010 sites, the agency documents show. Currently, EPA officials have estimated that as many as 120,000 residents living in the homes of 40,000 exposed to potentially dangerous levels of radiation. (3)

After reporting in 2010 on the confrontation between politicians of Florida and the environment, the EPA officials have started to build aerial radiation plan, which was to give them an opportunity to get a better idea of ​​the scope and Sur & # 39; oznastsi any contamination (3). Nevertheless, progress has stalled after a group of "pressure" politicians Florida Sun EPA to conduct a survey.

elected officials in Florida said they do not believe the direct impact of radiation from the soil & # 39 is a significant risk. Florida officials said radium contaminated soil do not cause trouble, but in the room of radium should be sent instead.

Removal of radon pollution indoors is generally cheaper than cleaning up the contaminated soil. Indoor radon contamination can often be cleaned with the installation of ventilation systems in the purification of radium-contaminated soil may require large-scale projects of excavation at huge costs.

Based on EPA, focusing on radon, but soil contamination is not so, the federal government, as a rule, address the infected site. EPA believes that this approach does not account for gamma rays irradiation residents, and does not consider the risk of inhalation or ingestion of contaminated soils.

In addition, the level of tests EPA, that elected officials in Florida say they will use to determine whether the pollution control measures required in the indoor radon entirely based on the opinions of health. Instead, it is based on how much radon modern ventilation technology is able to eliminate.

According to the federal agency's Web site, and not a "safe" level of exposure to radon. (3) The US Congress passed a law in 1988, setting a goal of reducing radon levels in areas with between 0.2 and 0.7 picocuries per liter, but the technology required to achieve this did not exist.

Even if the Superfund program in EPE does take into account the amount of radon gas entering homes, a decision related to the elimination of pollution are pleased to man-made, as a rule, mainly due to how much radioactive materials in the soil. EPA can be blown due to political pressure and the lack of their "All control structure" pleased for the purification of contaminated soils.


1. The acquisition of History | The state of the Earth | Florida DEP.

2. Status Florida.com

3. State Library and Archives of Florida

4. Memory Florida. ball

The Great Train Crash of 1999 Rocked Bourbonnais Illinois Hospital

The 1999 train accident in Bourbonnais, Illinois caused serious rethinking of safety issues and procedures, and led to significant new safety legislation. The crash was a collision between a truck and a train. The force of the impact of a collision between a southbound Amtrack passenger train and a semi-truck loaded with steel derailed the entire train, and killed eleven passengers. An investigation by the National Transportation Safety Board indicated that the cause of the accident was the truck driver’s trying to beat the train to a grade crossing. The NTSB commended the Bourbonnais Illinois Hospital response. The NTSB also recommended increasing enforcement of grade crossing signals and the installation of event recorders at all new grade crossings. They also spelled out new procedures for providing emergency responders with lists of all the crew and passengers who are aboard trains. A memorial to commemorate the victims of the crash was erected by the city of Bourbonnais, and is located at the intersection of Highways 102 and 45, across the way from the campus of Olivet Nazarene University.

The crash occurred 9:47 pm CST on 15 March, 1999 in the city of Bourbonnais Illinois. The Illinois Central Railroad’s southbound Amtrack train #59, the City of New Orleans, hit a semi-truck loaded with steel which was blocking a grade crossing. At the moment of impact, both of the locomotives and eleven of the fourteen passenger cars derailed; and then the derailed cars collided with two of the ten freight cars on a siding. The NTSB report attributed the cause of the crash to the reaction of the truck driver to the grade crossing signals. Perhaps thinking that he could beat the train crossing the tracks, the driver drove onto the tracks in front of the oncoming train. The driver, John Stokes, who survived, stated that the signal at the crossing did not activate until he was already on the track. He further stated that he hadn’t wanted to brake suddenly, which would propel his load of steel to ram the cab of his truck. The eleven passenger deaths and 122 injuries at Bourbonnais hospital resulted in over $14,000,000 in damages. Witnesses to the accident reported that the signal gates lowered only after the truck had begun crossing the tracks. One of the witnesses stated that the signal gate hit the truck’s trailer, and may have broken as a result. John Stokes was sentenced in 2004 to a two year prison term for failure to yield at a grade crossing. The presiding judge stated that he believed the driver’s sleepiness impaired his ability to make a safe driving decision.

As a result of the Bourbonnais crash the NTSB issued a number of recommendations focusing on railroad safety issues, which included reviewing the effectiveness of existing signals at railroad grade crossings. Also recommended was the use of traffic dividing islands to deter motorists from attempting to drive around the grade crossing gates. The U.S. Department of Transportation was urged to provide larger incentives and grants in order to increase the effectiveness of signals at grade crossings. The U.S. Federal Railway Administration was required to install event recorders in order to facilitate monitoring of gate position at grade crossings. The railroads themselves were directed to begin procedures to record accurate crew and passenger lists for emergency responders, and to improve Bourbonnais healthcare. They were also directed to implement better crew-accountability procedures on passenger trains. Railroads were also directed to install new event recorders at all new grade crossings.

Skimboard Hotspots Florida

1. Siesta Key – Saratosa Florida: This place is best to go skimboard in the cold season. If you want to catch big waves is the best time to hit this place up if there is a storm on the coast. Some parts of the area can be crowded depending on where you decide to go.

2. North Fort Lauderdale: commercial dock in the «anglans» has a nice flat beach and easy access to the water (even for beginners). Swell at this beach can be up to 3 feet and other skimboarders took a break here so at low tide he gets up to a height of about 6 feet. This beach tends to be crowded, so keep that in mind if you are going to find a place.

3. St. Augustine, Vilano Beach: This skimboard hot spot is only a few minutes from the famous old city in America, this place is famous among skimboarders in Florida. This beach has the typical Florida break combined with very generous slope. The waves on this beach break right on the beach and decent most of the year. The largest wave is usually in the range of 4 feet. There is a jetty at the southern end of the beach near the entrance Vilano and waves peel better in this area. Try to stay away from the fishermen in this area. The best time to skimboard on this beach are definitely the high tide.

The Top Zoos in Illinois

The state of Illinois is famous for its cultural attractions and its state-of-the art medical facilities. Visitors seeking the best services for beasts or humans can find a zoological garden or an Illinois hospital for their own particular needs and interests. The Lincoln Park Zoo in Chicago, founded in 1868, is one of the oldest zoos in the United States and also one of the most up-to-date. Every year the Lincoln Park Zoo receives more than 3,000,000 visitors. The zoo is open 365 days a year, and it offers many educational programs as well as old-fashioned enjoyment and fun for the whole family. Visitors can get up very close to the animals and gaze eyeball-to-eyeball with a lowland gorilla or an enormous brown bear. Lincoln Park Zoo is famous not only for its wide collection of fauna from all over the world, but also for its architecture and technical facilities. Visitors of all ages thrill to the Four-Dimensional Virtual Safari simulator, the LPZoo Express train ride, and the Safari Audio Tour. Although entrance to Lincoln Park Zoo is free, there is a small fee for taking in these special attractions. The zoo also features two excellent gift shops and several restaurant options, and is conveniently located near the top 10 hospitals in Illinois.

Just west of Chicago, in Brookfield Illinois, is the Brookfield Zoo. This zoo, established in 1934, is also open 365 days a year. Its 2000 animals range over 200 acres of land which is landscaped to recreate the natural habitats of the animals. Instead of cages this zoo uses moats and other natural barriers to keep the animals separated from the visitors and each other. Brookfield’s comprehensive collection of fauna includes the first Giant Panda shown in America as well as specialty exhibits such as the Baboon Island, Australia House, Dolphin show, Wolf Woods, Pachyderm House, and the Reptile House. It also includes the world-famous Tropic World which recreates a tropical rain forest complete with gaily-colored birds, monkeys, even a thunderstorm simulation. There are also a play zoo and petting zoo for children, where visitors can get up close and interact directly with the animals. The Motor Safari tram allows visitors to take a guided tour of the entire grounds. There are gift shops and various options available for dining.

The Cosley Zoo in Wheaton Illinois is located on 5 acres of land and specializes in domestic farm animals and also wildlife native to Illinois. The pleasant grounds feature an area where visitors can picnic, as well as a gift shop and eating concessions. The Wildlife Prairie State Park also features native Illinois wildlife. Located ten miles west of Peoria on Interstate 74, this two thousand acre zoological garden exhibits bison, black bears, cougars, elk, otters, waterfowl, wolves, and many other species.

Also in Peoria, located near many hospitals in Il, is the Glenn Oak Zoo. This zoological garden features a hundred animal species from around the world. Besides its collection of fauna the zoo offers sea lion performances and critter chats daily. There is a good gift shop and restaurant.

Serpent Safari in Gurnee Illinois is an indoor zoo exhibiting rare reptiles which includes Baby – the largest (403 lb.) snake in the world. There are rare albino alligators, Nile crocodiles, anacondas which weigh over 250 lbs., cobras, and many other species. The gift shop even sells pets so you can bring a reptile home with you!

Animals Florida Hotel

You delayed that long planned to leave, because you're worried about leaving their pets behind? Well, if you think about spending your next vacation in the sunny state of Florida, you do not need to spend more time stressing over the dilemma.

Although most hotels and motels all over the country do not allow guests to bring their pets along with them, a list of hotels in Florida, much more than the average. Most of these pet friendly hotels do not charge extra for pets stay. However, there are few places that can charge separately per pet, per stay basis.

Most of these hotels are asked to deposit at the time of check-in, which later returned to the subject of your pet does not cause any damage to the property of the hotel. There are few places that can allow dogs, but do not let them stray cat colleagues in the hotel premises. Some of these hotels will not tolerate a dog whose bark is a violation of other guests staying at the hotel.

Many hotels are pet limit "non-smoking" rooms or more, relating to "Pets Allowed" category, but often, they are constantly changing their pet-related policies and fees. It is prudent to make all requests concerning the same before one test in one of these hotels. In addition, some hotels even promote weight limit allowed for pets. Reservation form, most of these hotels also have a special column which asks you about any special requirements that your pet may have.

With many pet friendly beaches in Florida, a properly planned vacation can be an unforgettable experience for you and your pet adorable.

Protesting the Illinois-McHenry County "Deadbeat Parents" Website

McHenry County Sheriff Nygren's decision to publicly humiliate deadbeat parents, who according to the courts owe between $ 5,346 and $ 41,192 in child support payments, is alarming. It seems odd that only fathers are posted when non-custodial mothers are 20% more likely to default on their childsupport obligations according to US Census Data.

The deadbeat dad stereotype is a distortion and it perpetuates the many myths surrounding child support. The vast majority of men who fail to pay their child support do so because of unemployment or poverty. Pathers who have in the past paid child support are now now faced with a chilling question: "Do I pay childsupport, or do I eat?" Since Illinois law requires parents to pay between 20 to 50 percent of their income, how much is left to survive after a $ 650 unemployment check?

It's no surprise that "deadbeat dads" have been the headliner of multiple stories across the country for decades. We're often reminded by the media's highlights of the few fathers who do not pay versus the many who struggle to support their children. These stereotypes should not be highlighted or ignored, they should be eliminated.

The facts show that fathers in financial peril are far from "deadbeat". In fact, the Federal Office of Child Support Enforcement data shows that two-thirds of those behind on child support nationwide earn poverty level wages; less than four percent of the national childsupport debt is owed by those earning $ 40,000 or more a year. According to the largest federally-funded study of divorced dads ever conducted, unemployment, not will neglect, is the largest cause of failure to pay child support. As Illinois surpasses the 10.5 percent unemployment rate, these facts can not be ignored.

While the label of "deadbeat parents" does apply to some parents who willfully dodge their responsibility of support, it is not gender specific. The larger problem lies not with non-custodial parents, but instead with the child support system. Arresting low-income parents or parading their names and faces in highly publicized media blitzes is either fair fair or useful. What's needed instead is an overhaul of the system, so that unemployed and underemployed workers are not turned into criminals because they've failed to pay obligations which are beyond their reach. Especially now, the system should work to help fathers support their children so they still have the means to support themselves. We must eliminate the need of focusing on "deadbeat" and help "dead-broke" parents and fathers in caring for what they love most – their children.

Florida & # 39; New Durable power of Attorney Act

In 2011, the Florida legislature changed the state & # 39; s attorney law in several significant respects. The legislature intended to simulate Florida & # 39; s law on the 2006 Act, that the same law commissioners developed to improve the utility and reduce its misuse.

These changes include the prohibition of "spring." A "springing" power of attorney does not take effect when you are doing it; it shall enter into force when there is a scheduled event, as a rule, primary and # 39; s incapacity. These powers can be problematic because if someone fails, he will not always be an accurate description. Obviously, if a person is in a coma, he is incapacitated. If someone has a stroke and lost most of her ability to speak, but could still think clearly, he is incapacitated? While you can work out exactly what qualifies as "incompetent", the issue may complicate the decision, which must be done quickly on your behalf while you are in an emergency situation.

The new law also recognizes that the agent & # 39 is the trustee tasked to support a variety of legal obligations that the principal can not be edited or deleted. These duties include the duty to act in the best interest to keep a record of all receipts and transactions carried out on the principle of & # 39; s name to save the estate plan, act in good faith, to act in accordance with the principal & # 39 expressway reasonable expectations, and the obligation to inventory the contents of the principal & # 39; S safe whenever agent accesses thereto. The establishment of these responsibilities will help to reduce the incidence of fraud and theft, making the agent to understand what the law expects of him and allows others to more easily examine its activities.

The legislation also requires that the agents only have the authority to perform specific activities provided for in the contract, rather than having a wider, general duties. Here, the measure would prevent fraud by prohibiting the agent from the participation in a number of activities that the principal could not think to deny it with a legal document. Powerful, he would not have to consider that the ban, he needed only to areas that he or she wants the agent to perform. For example, if the document does not specifically state that the agent can access the main & # 39; s bank account or get a basic and # 39; s funds as needed for another purpose, the agent denied access to the accounts.

Although these changes are likely to protect the principal & # 39; fraud and theft, they would be overstating costs, unless the parties have to hire a lawyer to help them power of attorney agreement project effectively. In addition, managers will not be able to execute the documents as quickly and easily, and financial institutions may take longer to accept or reject them, both of which can deal a major inconvenience. Finally, if the bank has hired another professional to help him determine what to nor accept, it would pass the cost of this in the main.

If you are looking for a strong power of attorney form Florida you can download here.

Cheap Illinois Homeowners Insurance Rates – The Quick Guide to Low Cost IL Home Insurance

Finding cheap Illinois homeowners insurance is key wherever you are a new home owner or you have lived in your home for years and years. A cheap IL home insurance rate is after all just one more way of being able to save your money for fun things like vacations, new cars, and going out to eat. After, why pay more than you need to for something as borrowing as insurance?

The state of Illinois may not be one of the largest in area in the United States, but it sure has a lot of people. With an estimated 12 million residents, the demand for Illinois homeowners insurance is quite great. However, people do not just want any kind of policy, they want a cheap one! There are many things you can do in order to save money when it comes to saving money on your IL home insurance policy. Below you will find the many tips given to customers and how they act in saving you money on that policy you need.

Safety Features And Cheap Illinois Homeowners Insurance

Whether it is a life insurance policy, homeowners insurance policy, or auto insurance policy; the entire insurance industry values ​​safety. This means that if you show the company at the time of getting a quote that you are an individual that tries to prevent anything harmful that may come about unexpectedly, they will typically give you a better price for the policy.

One way of lowering your coverage is to put smoke detectors and sprinklers in the inside of your home in case of fire. It is true that every house comes with smoke detectors and some of them come with sprinklers nowdays, but the more you add, the more your cost will be lowered by these features.

You can also prevent the theft of your personal property (something that is covered under every homeowner's insurance policy) by placing alarm systems in your home. There are many companies that offer different ways to protect your home from thieves and purchasing one of them might not be a bad idea if what you want is cheap Illinois home insurance.

Yet another way throughout a little bit more out of the ordinary to agree with anyone trying to enter and come out of your house is to put locks on the windows. Although this might lower your cost, you might want to reconsider because because in case of a fire it will be harder for your family and yourself to escape the lodging; but soonheless, this also works in lowering your price.

Shop Around For Cheap Illinois Homeowners Insurance

This may be perhaps the most important tip for lowering your Illinois homeowners insurance cost, simply because the more you do your homework, the more chances of finding what you want. You can either go and visit local agencies in person and ask them about the many things that they have available (such as the types of coverage and the many exclusions that they may have in their policy) or if you are a technology person you can do it online.

If you visit them in person you will be able to ask the agent for specific discounts that they may have and ask him or her about the IL homeowner insurance industry. If you do it online you will have to do this things yourself, but you will be able to do it much quicker and retrieve quotes from each website in a matter of minutes. After all, is not a few moments spent doing research worth it to find a low cost Illinois homeowners insurance policy and save yourself $ 100's or even $ 1,000's over the course of a year?

Your Claims History And Cheap Illinois Homeowners Insurance

You may be familiar with what an Illinois homeowner insurance policy covers and the things your must do in order to get reimbursed. One of the things covered by many home insurance policies that people use repetitively is the possession coverage. This covers your possessions all over the world and the insurance company will just give you money for them. Many other insurance companies have a thing called the "accidental disappearance" coverage. What this does is simply give you money for an item that you may have lost during traveling or just out of the blue.

If your company offers you any of the things mentioned above it is better to not claim things that you can just pay out of your pocket. A reason for this is that the more you claim, the more the insurance company will be paying out of their pockets. Claims lead to higher prices in any insurance business out there and if you start setting up claims for every lost item of yours, you might be headed towards a bad road on your cheap Illinois home insurance quest.

Your Deductible And Cheap Illinois Homeowners Insurance

Deductibles are one of the main things that people use to try and get a little money off their monthly premiums. The important thing to note about this is that people should only try and do this if they have the resources to cope with the change. What this means is that if you do not have the money to pay up front in the event of an accident then do not change your deductible.

Insurance companies simply lower the premiums when one raises the deductible as a way of saying "thank you". This is because you are taking cost out of their pockets and turning it into your cost. After a claim is made you will have to pay the deductible and the insurance company will pay the rest of the price once that cost is paid. A common deductible in the home insurance business is that of $ 250 but people often raise it to $ 500 or even $ 1,000.

Your Property And Cheap Illinois Homeowners Insurance

If what you want is a cheap Illinois home insurance policy then you must start thinking ahead even before you buy a residence. You must always inspect the land where the house is at in order to give yourself an idea of ​​how much it would be to insure the property. Make sure the land is secure and not prone to floods. Rain can come hard at anytime during the year and it is important to be protected against flooding if you want a good experience.

When buying a home also try and get a house with a hard frame. This will work on your favor not only because the house will be more secure and last longer, but because in case of an earthquake or any other natural disasteritting the home the chances of it remaining standing will be greater. People with brick houses often pay less in Illinois homeowners insurance premiums due to the safety of their homes and the durability of the housing.

Compare Cheap Illinois Homeowners Insurance Quotes

As you can see there are many things that you can do without even thinking about it that will lower the monthly premiums on your Illinois home insurance policy. If you think safety first and inspect the land before even buying the house then you will have a better time and a lower monthly premium. If that still does not satisfy you then try raising your deductible (only if you can afford it). If you do all this I can guarantee you that the cheap Illinois home insurance policy that you have been waiting for will be yours in no time at all!

Florida with a & # 39 Giant Sand Bar; Tall, thin and flat

We often talk about the incredible surge in property values ​​over the last five years in the Great State of Florida. Hurricane state, if you will, as it is so flat that there is almost nothing to slow the massive hurricane. But some still wonder why anyone would pay that much to live on a giant Sand Bar?

In fact, most of the Florida sand bar, except the Panhandle and above the Orlando area. There are several places with the rock under which pass that along I-95, but lets face Florida with a & # 39 Giant Sand Bar, which is a & # 39 is tall, thin and flat. your perfect Runway Model if you're that good analogy, because it's a great sand bar on that? Claps in Real Estate with a & # 39 is one thing, but that is the only kind of surge we should consider it?

But why would anyone want to live less than 12-18 feet above sea level, when the Cat IV and V Hurricanes are known to put up 20-foot storm overtake. Can you say, lost the cash desk? And as we know, the whole of this will not be fully move ever? Shifting sand is well known in the shallows you see?

If you have a Florida real estate I'm not trying to hurt your property value, and I sincerely wish you well, but from a philosophical stand point, you know, that really does not make much sense does it? Perhaps you will consider all this in 2006.

Illinois Health Insurance Plans and Pre-Existing Conditions

How does an Illinois resident with a pre-existing health condition find a quality Illinois health insurance plan? Why does it seem like it is so difficult to find a pre-existing condition Illinois health insurance plan?

Pre-existing conditions are defined as illnesses in which the person has gone to a physician, clinic, or medical facility and has received medical care in the past. Insurance companies are using these questionnaires as well as an exclusion period in order to defend themselves from people with pre-existing conditions that are seeking medical insurance.

In the state of Illinois people that are applying for an individual health insurance plan can be turned down at the insurance company’s discretion due to pre-existing conditions unless that person is eligible for an Illinois HIPAA health insurance plan.

In the state of Illinois they follow HIPAA laws very strict. The Health Insurance Portability and Accountability Act created in 1996 and effective in 1997 provides protection for people that have medical pre-existing illnesses. The law protects people by limiting their exclusion period when purchasing health insurance, lowering the chances for a member with a pre-existing condition to lose coverage, providing protections when they change jobs and guaranteeing that your health insurance policy gets renewed at the end of your coverage year.

The law however, has not eliminated the ability of individual carriers of denying health insurance to pre-existing condition people or exclude medical conditions. The only guarantee issue provisions lie in State sponsored plans and insurance company funded plans. What HIPAA does provide is for guaranteed acceptance health insurance coverage for people that meet 6 HIPAA requirements. When someone meets these 6 requirements they are considered “HIPAA eligible” and can qualify for a guaranteed issue HIPAA health insurance plan. The 6 requirements for HIPAA eligibility can often be the only avenue of health insurance coverage available to some high risk individuals with major pre-existing health conditions.

Some of the most important insurance companies in the state of Illinois handle pre-existing conditions a little bit differently, because of this it is important to do some research and actually shop around for a policy before deciding to apply. Individual plans have more exclusion that group plans and that is why they are quite a bit less expensive, because they are more restrictive.

Aetna Health Insurance who is one of the “big dogs” in the health insurance business across the United States is a primary example of exclusion period. They offer a 365 day period starting from the day of enrollment, in which a person with a pre-existing condition is not covered. It is important to note however, that if the person that has a pre-existing condition has had prior creditable coverage within 63 days immediately before the signature of the application; then the exclusion period will be waived.

Another example of this can be seen with Blue Cross and Blue Shield of Illinois, who is one of the 39 independent, community-based insurance companies that make up the national Blue Cross Blue Shield network. Since they are independent that means they might not have the same provisions as Blue Cross Blue Shield companies in other states. In Illinois, BCBS requires a member with a pre-existing condition to wait a 365 day exclusion period from the day that they sign the policy before receiving coverage for their illness.

Compared to individual coverage, group plans are a little better. They cannot turn you down due to a pre-existing condition, which makes group plans more expensive. Under HIPAA law an employer can only deny pre-existing condition coverage if the person is diagnosed, receives treatment or has care and treatment 6 months before the enrollment date. A good thing to note is that pregnancy cannot be accounted as a pre-existing condition by an employer insurer.

The total time a person can be excluded from a group health plan if they have a pre-existing condition is 12 months after enrollment (18 months if they enroll late), for this reason it is important for a person to sign up for health insurance as soon as they are offered it (if not you can be subject to 18 months instead of 12). Fortunately for some, the time can be less in case that they were covered by an insurance company for the 63 days before enrollment. Also, an insurer cannot deny coverage to a small employer (2-50) under HIPAA law.

Finding Illinois health insurance coverage when one has a pre-existing condition can be very tough. Not to mention that pre-existing conditions cover everything from cancer, HIV, Hepatitis C and even high cholesterol. It is key however, for a person that has a pre-existing condition to know all the exclusions and their rights that are provided under the HIPAA law. This is important because once you know your rights, you will be able to be more knowledgeable about the subject and avoid long exclusion periods.