Public Health Department

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The State of Florida licenses Public Adjusters to represent individuals in claims against insurance companies. Typically, a Public Adjuster works in areas of property losses, such as a home damaged by fire. The PA investigates and evaluates a claim and works to maximize the recovery of the homeowner.

A relatively unknown area of licensing in FL is the Health Public Adjuster. This job involves maximizing the recovery of health insurance benefits by a claimant. The HPA works to negotiate coverage, when coverage is limited or denied. Like other Public Adjusters, the HPA is paid a contingency fee which is a percentage of the recovery. While Public Adjusters are required to serve a 1 year apprenticeship, complete the Accredited Claims Adjuster Designation and pass the state test, these requirements do not apply to the Health Public Adjuster (3-40).

Florida Insurance University, a partner with the University of Central Florida in Orlando, is introducing a the Public Health Adjuster Designation. This designation will prepare the new HPA for the job challenges ahead with Health Care Reform. It is predicted that once health care reform is implemented, there will be an enormous volume of clients who will need assistance in getting bills for medical treatment paid.

Licensing for the Health Public Adjuster license involves applying to the Department of Financial Services for the license, submitting fingerprints and posting a $50,000 bond. The bond can be purchased from any insurance agency that sells surety bonds.

The Public Health Adjuster Designation from the University will identify those adjusters who have the training and knowledge to properly represent clients in health care claims. In a job market that is suffering from high unemployment, the Health Public Adjuster will be in great demand. More information can be obtained by calling (407) 927-1235.

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A survey done by the Department of Health of United Kingdom reveals that about 74% of adults in United Kingdom consumed an alcoholic drink daily. Worse still, more than 37% individuals reported they didn’t know the harmful effects of addiction to alcohol. These statistics reveal two things and they are as below:

- Adults getting addicted to alcohol and
- Adults are unaware of the health consequences.

These worrying signs could be replicated to almost any country. That is probably why public health nursing plays a key role in curbing this menacing statistic.

A public nurse would work to create awareness in the community about certain health issues. They identify the health care needs of a population and further, find out the needs depending on the sub-populations, families etc. This way, families who could be at a risk of infecting a certain disease receive immediate healthcare aid thereby ensuring good health at all times. The public health nurses normally adopt a systematic approach to finding a fix for the health care needs of a society. They would meet community heads, families and study data related to the general health of the section of the society.

Bio-terrorism and epidemics are a serious threat to any society, and public health nurses with their regular campaigns work to ensure people are constantly updated about these issues and how to tackle them, if and when they arise. Most importantly, they would also study the possible risk factors to health of a society based on the demography of the society. For example, a public health nurse would counsel and advocate health protective measures to a society if it is in the vicinity of a chemical factory. In such an example, the nurse would counsel on what needs to be done in case of a chemical leak and so on.

Public nurses take a scientific approach to help them fix some health issues plaguing the society. Basically, they educate the society about possible health problems and ensure that the society and the community, as a unit responds to any health challenge posed to them. They also help in providing healthcare aid in the event of a community epidemic. By all counts thus, the role of a public health nurse in ensuring good health of individuals, cannot be discounted.