Florida Health Rate Filing

[Unfrozen Caveman Lawyer]

Um, like, does anyone like know, like everything needed in Florida that will give you like the best chance for an increase?

I have some idea but eveytime I look at otther filings, they have different crap in them, some are rejected, some pass right on thru, don't get it, Florida seems to reject based on ridiculous thingys, and some filings i have seen were a joke and were accepted.

Ergo, what the hairball is a good source for exact requirements for da filing?

[Brad Gile]

Originally Posted by Layne Staley

Um, like, does anyone like know, like everything needed in Florida that will give you like the best chance for an increase?

I have some idea but eveytime I look at otther filings, they have different crap in them, some are rejected, some pass right on thru, don't get it, Florida seems to reject based on ridiculous thingys, and some filings i have seen were a joke and were accepted.

Ergo, what the hairball is a good source for exact requirements for da filing?

Good English?

Brad

[Unfrozen Caveman Lawyer]

Thanks, I appreciate the input, I will go put the filing together and send it out this afternoon.

I am glad I got some feedback, I do not think would have been able to complete this filing if it were not for your very useful information and the amount of effort and time put into your research to address this matter.

If only the rest of the population shared your warm nature and enthusiasm we could really move society into a more positive loving direction thereby ending hunger, poverty, violence, gang activity, bridge tournaments and stupidity.

[Sunny]

Originally Posted by Layne Staley

Thanks, I appreciate the input, I will go put the filing together and send it out this afternoon.

I am glad I got some feedback, I do not think would have been able to complete this filing if it were not for your very useful information and the amount of effort and time put into your research to address this matter.

If only the rest of the population shared your warm nature and enthusiasm we could really move society into a more positive loving direction thereby ending hunger, poverty, violence, gang activity, bridge tournaments and stupidity.

Sorry I am not qualified to answer your question, and trust me if I were I would have.

[hopper]

What type of rejection letter do you usually get? When I was there (FL DOI), the DOI rejected all filings that did not meet the requirements(4-something). The rejections happened before the files even get to any of the actuaries/actuarial analysts. So, the first thing you need to do is to include a memo with the 28(?) required items and the that extra sheet, which describes the historical rate increases.

Also, we spent more time one the larger block of business(greater than 10,000 members).

Good luck.

[Toll Free]

Agree with Hopper. Florida has a very specific checklist of items to include. Follow that to the letter (possibly regardless of the overall quality of your filing), and you're odds will improve. Also, personal phone calls to the reviewer never hurt. Neither do chocolates.

[Unfrozen Caveman Lawyer]

None of this inofrmation has been worth toilet paper.

I can do it all online. I-File they call it.

It is a lovely system, almost as lovely as the Olive Garden.

[Muidiri]

Check the Department of Financial Services, which now contains the Office of Insurance Regulation. Here's a link - they give lots of links for filing requirements, as well as checklists to make sure you have everything that is required:
http://www.fldfs.com/companies/

Also, be sure to look through the Florida Administrative Code, to be sure you have covered all of the related Statutes - For Helath filings in FL, be particularly sure that your R' score is appropriate for your maximum loss ratio calculations.

FL is VERY picky (Read polite version of Pain in the A$$), but they try to get you the necessary information.

One of the companies that I previously worked with would file their products in every state except FL and NY because it was so much more difficult to prepare the filings.

BTW - I work in FL, and we do a lot of filings. If you have any questions, I'll try to help you out!