Miami Health Insurance Quote Example

In Miami I am going to use a 40 year old married couple to run our hypothetical premium illustration. In this example, we are using an assumed $2500 deductible and a maximum out of pocket including deductible of $4500 per year. Humana and Coventry are just not even in the equation so lets in fact ignore them until further notice. For illustrative purposes I have included them. Cigna hands down is the best choice in this example.



However, we have not looked at the non-profit Miami health insurance companies yet including Avmed and Blue Cross Blue Shield.



Avmed in Miami at $472 is still very much in the equation, however is still handily beaten by Cigna.



In the winners circle though is our very own Miami Dade Blue for $249. This is the plan I would choose every single time, that being said it is not right for everyone, but if you leave it to me I will try to convince you of this plans merit to my own demise. Miami Dade Blue is the singular perfect plan in that it doesn everything a health insurance plan in Miami or Florida is supposed to. If indeed it covers your office as it does and dental as it also does, then consider it a bonus. But with a deductible of only $250 why I am I even having to explain in further detail?



Assuming you are thickheaded, I am going to keep going with our analysis however. In the case of you not wanting Miami Dade Blue then the next option to square off with the Miami Cigna plan for $405 is plan 598 from Blue Cross Blue Shield illustrated below for $435. This plan is my choice but it is ultimately up to you and there is no right answer as there is with Miami Dade Blue question. Because the Blue Cross Blue Shield of Florida Plan 598 has a higher out of pocket but still covers all labs and diagnostics with a co-pay, it can be said that for someone that is keen on office visits and diagnostic testing and basic procedures, this plan will certainly save you money even with the higher premium than the the Cigna plan with its lower premium and significantly lower annual maximum out of pocket.



Further explanation is necessary to do over the phone or with a consultation as the explanation of plan 598 and 597 which I have also included can get complicated. But assuming you live in Miami please consider Miami Dade Blue first. Secondly, if you cannot digest the plan because of the network, then we can move on to plan 598 or Cigna.



Assuming you don't like those plans or get rated up we will move to United Health Care or our Miami Avmed plan. This example is of course using an effective date of 12/2009 and is not even close to the numbers you will get unless you run a quote for your own demographics and family size. If you would like more explanation or to see more plans (we actually have over 200!) please call us at 888 803 5917 or fill out our Miami health insurance quote page.



From: http://echealthinsurance.com/…quote.html

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Orlando Orange County Health Insurance Quotes in

Orlando Health Insurance Case Study



In this example I use a 34 male and 34 female in this example. The deductible is a 2500 and/or a maximum of out of pocket of at most $5000. It is blatantly obvious to me that most affordable plan is absolutely United Health Care in Orlando. This is surprising as they are not very competitive in South Florida, however in Orlando they are most definitely the price leader. That being said as they are not domiciled in Florida you might want to also consider Cigna which is often times the most affordable Florida health insurance plan. Of course we have not considered Blue Cross Blue Shield of Florida yet, and of course we must as they are certainly the most comprehensive plan in Florida.



From: http://echealthinsurance.com/…rance.html

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Miami Health Insurance Quote Example

In Miami I am going to use a 40 year old married couple to run our hypothetical premium illustration. In this example, we are using an assumed $2500 deductible and a maximum out of pocket including deductible of $4500 per year. Humana and Coventry are just not even in the equation so lets in fact ignore them until further notice. For illustrative purposes I have included them. Cigna hands down is the best choice in this example.

However, we have not looked at the non-profit Miami health insurance companies yet including Avmed and Blue Cross Blue Shield.

Avmed in Miami at $472 is still very much in the equation, however is still handily beaten by Cigna.

In the winners circle though is our very own Miami Dade Blue for $249. This is the plan I would choose every single time, that being said it is not right for everyone, but if you leave it to me I will try to convince you of this plans merit to my own demise. Miami Dade Blue is the singular perfect plan in that it doesn everything a health insurance plan in Miami or Florida is supposed to. If indeed it covers your office as it does and dental as it also does, then consider it a bonus. But with a deductible of only $250 why I am I even having to explain in further detail?

Assuming you are thickheaded, I am going to keep going with our analysis however. In the case of you not wanting Miami Dade Blue then the next option to square off with the Miami Cigna plan for $405 is plan 598 from Blue Cross Blue Shield illustrated below for $435. This plan is my choice but it is ultimately up to you and there is no right answer as there is with Miami Dade Blue question. Because the Blue Cross Blue Shield of Florida Plan 598 has a higher out of pocket but still covers all labs and diagnostics with a co-pay, it can be said that for someone that is keen on office visits and diagnostic testing and basic procedures, this plan will certainly save you money even with the higher premium than the the Cigna plan with its lower premium and significantly lower annual maximum out of pocket.

Further explanation is necessary to do over the phone or with a consultation as the explanation of plan 598 and 597 which I have also included can get complicated. But assuming you live in Miami please consider Miami Dade Blue first. Secondly, if you cannot digest the plan because of the network, then we can move on to plan 598 or Cigna.

Assuming you don't like those plans or get rated up we will move to United Health Care or our Miami Avmed plan. This example is of course using an effective date of 12/2009 and is not even close to the numbers you will get unless you run a quote for your own demographics and family size. If you would like more explanation or to see more plans (we actually have over 200!) please call us at 888 803 5917 or fill out our Miami health insurance quote page.

From: http://echealthinsurance.com/miami-health-insurance-quote.html

Orlando Orange County Health Insurance Quotes in Florida

Orlando Health Insurance Case Study

In this example I use a 34 male and 34 female in this example. The deductible is a 2500 and/or a maximum of out of pocket of at most $5000. It is blatantly obvious to me that most affordable plan is absolutely United Health Care in Orlando. This is surprising as they are not very competitive in South Florida, however in Orlando they are most definitely the price leader. That being said as they are not domiciled in Florida you might want to also consider Cigna which is often times the most affordable Florida health insurance plan. Of course we have not considered Blue Cross Blue Shield of Florida yet, and of course we must as they are certainly the most comprehensive plan in Florida.

From: http://echealthinsurance.com/orlando_orange_health_insurance.html

Health Insurance Reform Failure Will Lead to Mor

Out-of-Pocket Health Care Costs Could Increase More Than 35 Percent in Every State by 2019

Researchers from the Urban Institute used the Health Insurance Policy Simulation Model to estimate how coverage and cost trends would change between now and 2019 if the health system is not reformed. The health reform failure report shows that under the worst-case scenario, within 10 years:



From: http://echealthinsurance.com/…orm-fails/

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Health Insurance Reform Failure Will Lead to More Uninsured Florida Health Insurance News

Out-of-Pocket Health Care Costs Could Increase More Than 35 Percent in Every State by 2019
Researchers from the Urban Institute used the Health Insurance Policy Simulation Model to estimate how coverage and cost trends would change between now and 2019 if the health system is not reformed. The health reform failure report shows that under the worst-case scenario, within 10 years:

From: http://echealthinsurance.com/blog/health-reform-fails/

Health Insurance Mandates Examined: Should Congr

Should Congress Mandate Individuals to Have Health Insurance

What’s the issue?



The leading health reform bills in Congress would impose a national individual mandate requiring most Americans to have health insurance. New standards would be set to determine “acceptable” minimum coverage and spell out how much people needed to contribute out of their own pockets. Coverage could be obtained in various ways, including through employers, through government health programs, or through new federal or state health insurance exchanges. Subsidies

would make coverage more affordable for low and moderate-income people, and insurance market reforms would make coverage more reliable. Penalties, most likely in the form of a tax, would be imposed on individuals who had not obtained coverage or who were not exempted from the requirement for various reasons.



From: http://echealthinsurance.com/

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Health Insurance Mandates Examined: Should Congress Require Individuals to Have Health Insurance Florida Health Insurance News

Should Congress Mandate Individuals to Have Health Insurance
What’s the issue?

The leading health reform bills in Congress would impose a national individual mandate requiring most Americans to have health insurance. New standards would be set to determine “acceptable” minimum coverage and spell out how much people needed to contribute out of their own pockets. Coverage could be obtained in various ways, including through employers, through government health programs, or through new federal or state health insurance exchanges. Subsidies
would make coverage more affordable for low and moderate-income people, and insurance market reforms would make coverage more reliable. Penalties, most likely in the form of a tax, would be imposed on individuals who had not obtained coverage or who were not exempted from the requirement for various reasons.

From: http://echealthinsurance.com/

Medicare Reform and Health Insurance Florida Health Insurance News

Edit29grf
The private form of Medicare known as Medicare Advantage is enormously popular with seniors, and no wonder. Private Medicare plans offer extras such as vision care, dental benefits and even health club memberships that may cost more or not be available at all in the traditional fee-for-service Medicare that most seniors use.

From: http://echealthinsurance.com/blog/medicare-reform/

Health Reform and A Health Insurance Broker: Fin

DEERFIELD BEACH, Fla., Sept. 14 /PRNewswire/ -- With health insurance rates skyrocketing look no further than Miami health insurance broker East Coast Health Insurance to be offering their opinion on the Washington legislation debate. Many health brokers are of course easy to predict, falling on the side of the status quo Republicans, who see a problem, but see a bigger problem with another federal program. It seems the only thing that everyone agrees upon is that the country cannot sustain these health costs.



From: http://ca.biz.yahoo.com/…74876.html

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The Current Economy and Hypnosis Florida Health

After reading the latest issue of BusinessWeek I am still amazed by the amount of qualified economicists that still have no idea how serious of a situation we are in financially. I don’t know if they are afraid of creating global panic which would result in a more expedient global depression, or if they are just really in the dark. If any economicist from the previous eras from 1900-1960 were to look at the situation today in the world market and the effects of globalization occurring at uneven paces they would be truly awed by the way we are reacting to the current crises. Instead of fixing the basic economic issues, we are instead creating larger deficits and larger debts which are going to end up having to be paid back. How? There is only two ways out, one of course would be to inflate our way out of debt which will be great for the United States but terrible for Americans. If the currency were to inflate on the scope necessary to write off our debts it would make us unable to afford anything except the basic necessities of life, and even that would be difficult. As the United States has become a global superpower we have exported our entire manufacturing sector to foreign nations who can do it for less money. This would mean that we would need to import everything as our manufacturing is so antiquated here in this country that it would take us years to restart this sector.

Really, the end of this scenario will mean rampant inflation and the dollar becoming useless and a return to the gold standard. Lest anyone think the gold standard was not a good way to value currency, lets remember that gold is close to $1000 and many experts are expecting it to reach $2000 as the dollar keeps losing value. The gold standard was discarded in favor of the dollar, which of course is great for the United States but terrible for other countries. It woudnt be terrible save for the fact that we are irresponsible and have taken on way too much consumer debt, which of course is not our major problem. It is instead the government debt used to pay for the entitlement programs which are bankrupting the nation. It might be too late to save the dollar and I actually opened up my very own gold account in order to start “investing” in the future global currency. All it takes for us to lose the dollar is China’s current request to open the dollar standard to a basket of currencies including their own yuan which is much better positioned to be the world’s currency. But again this is not fair to other countries as should China start pursuing an economic policy like ours then we would be the ones asking for the gold standard. Thus gold which has been the most stable asset in world history is the only fair denomination for global currencies to be hedged against.

I still believe health reform is a necessity and universal health care is one of the only ways to fix our system, but health care is only one of our problems the other ones will need to be solved by fiscal disclipline and better use of our entitlement programs.





From: http://echealthinsurance.com/…-hypnosis/

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Health Reform and A Health Insurance Broker: Financial News - Yahoo! Finance

DEERFIELD BEACH, Fla., Sept. 14 /PRNewswire/ -- With health insurance rates skyrocketing look no further than Miami health insurance broker East Coast Health Insurance to be offering their opinion on the Washington legislation debate. Many health brokers are of course easy to predict, falling on the side of the status quo Republicans, who see a problem, but see a bigger problem with another federal program. It seems the only thing that everyone agrees upon is that the country cannot sustain these health costs.

From: http://ca.biz.yahoo.com/prnews/090914/cl74876.html?.v=1

The Current Economy and Hypnosis Florida Health Insurance News

After reading the latest issue of BusinessWeek I am still amazed by the amount of qualified economicists that still have no idea how serious of a situation we are in financially. I don’t know if they are afraid of creating global panic which would result in a more expedient global depression, or if they are just really in the dark. If any economicist from the previous eras from 1900-1960 were to look at the situation today in the world market and the effects of globalization occurring at uneven paces they would be truly awed by the way we are reacting to the current crises. Instead of fixing the basic economic issues, we are instead creating larger deficits and larger debts which are going to end up having to be paid back. How? There is only two ways out, one of course would be to inflate our way out of debt which will be great for the United States but terrible for Americans. If the currency were to inflate on the scope necessary to write off our debts it would make us unable to afford anything except the basic necessities of life, and even that would be difficult. As the United States has become a global superpower we have exported our entire manufacturing sector to foreign nations who can do it for less money. This would mean that we would need to import everything as our manufacturing is so antiquated here in this country that it would take us years to restart this sector.
Really, the end of this scenario will mean rampant inflation and the dollar becoming useless and a return to the gold standard. Lest anyone think the gold standard was not a good way to value currency, lets remember that gold is close to $1000 and many experts are expecting it to reach $2000 as the dollar keeps losing value. The gold standard was discarded in favor of the dollar, which of course is great for the United States but terrible for other countries. It woudnt be terrible save for the fact that we are irresponsible and have taken on way too much consumer debt, which of course is not our major problem. It is instead the government debt used to pay for the entitlement programs which are bankrupting the nation. It might be too late to save the dollar and I actually opened up my very own gold account in order to start “investing” in the future global currency. All it takes for us to lose the dollar is China’s current request to open the dollar standard to a basket of currencies including their own yuan which is much better positioned to be the world’s currency. But again this is not fair to other countries as should China start pursuing an economic policy like ours then we would be the ones asking for the gold standard. Thus gold which has been the most stable asset in world history is the only fair denomination for global currencies to be hedged against.
I still believe health reform is a necessity and universal health care is one of the only ways to fix our system, but health care is only one of our problems the other ones will need to be solved by fiscal disclipline and better use of our entitlement programs.


From: http://echealthinsurance.com/blog/economic-hypnosis/

Health Care Costs and Medical Records Technology

With the news of the North Shore-Long Island Jewish Health System plans to offer its 7,000 affiliated doctors subsidies of up to $40,000 each over five years to adopt digital patient records. That would be in addition to federal support for computerizing patient records, which can total $44,000 per doctor over five years.

The competitive advantage from computerized medical records has been analyzed and is expected to shave millions from not only the outrageous administrative costs that have literally blown up health care costs, but also make patient care more effective. By being able to track physician and hospital care it will be easier to find out which specific treatment for diabetes for example are the best. The trick is to get the physicians to play ball.

I have two surgeons in my family, and I have talked extensively to them about health care costs, and Dr. Gabriel Loor who is just finishing up his residency has said that two surgeons can perform the same procedure, such as an appendectomy and due to their specific style of suture can literally cause a difference of thousands dollars for the same procedure.

Another facet of health insurance care costs that is difficult to quantify would of course be the fact that when an ER patient comes in with a broken leg for example, the extra tests that are run can end up showing hundreds of minor acute issues that might be serious or might be benign. Think about the body scan, which shows thousands of masses and without spending thousands of dollars in biopsies and assorted other medical tests there is no way to give someone a complete clean bill of health. A physical, a true physical anyways would literally cost thousands of dollars minimally, and much more in actuality.

Thus when someone comes in to a medical facility for a routine surgery or test it is up to the physician to investigate the results of the tests, and then to order more tests until they can honestly offer a complete healthy diagnosis. Many physicians, surgeons especially will tell you that they can't do this, as there is not only a financial issue to consider both to the patient and the insurance company, but of course to the medical facility or hospital which loses time for other patients who are most likely exhibiting symptoms.

The medical technology issue will certainly save money as it will give the medical establishment the ability to pull up the medical records and test results the patient has already run. Duplication is of course a major cost factor in medical costs as well. However, it can be safely said that electronic medical records will certainly help medical care costs be kept in check. Will it solve our problems? Not really, as health care costs and health insurance premiums are rising so quickly that it will take more than one solution to control them. After medical records technology, we will need to work on getting more people insured as that is another cost factor.

From: http://echealthinsurance.com/

Wedding in Boston

No more health insurance for a few days, as I am in Boston for a wedding. So if you need help please call 888 803 5917

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Florida Health Insurance

East Coast Health Insurance now offers online quoting and health insurance plans in Florida and Georgia at http://echealthinsurance.com/

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East Coast Health Insurance Adds Georgia Health Insurance Market

East Coast Health Insurance has separated ourselves from the rest of the pack in the Florida health insurance market by setting the bar for health insurance sales. Simply put, we will help everyone that calls us get health coverage. In more than 40% of our clients and referrals are completely pro bono.

East Coast Health Insurance has created a complete directory of all the Government assistance programs in Florida and we don't stop there. We have actually contacted these facilities and found out how to qualify, which ones you qualify for, where to qualify, and what you need to qualify. Since we started this program quietly, we have been much to our surprise the most well known health insurance company in Florida.

From: http://www.merchantcircle.com/blogs/East.Coast.Health.Insurance.954-571-4177/2009/9/East-Coast-Health-Insurance-Adds-Georgia-Health-Insurance-Market/426140

Florida Health Insurance News

I suppose if you are reading this blog you are at least familiar with the fact that Massachusetts passed a health reform bill with the help of a Republican governor who just ran for President but lost during the primaries due to his Mormon beliefs in heretic serpents. Or something like that. I don’t know which sentence seems more unlikely now if I didn’t know what actually happened, health reform or serpents. When I heard about this magnificent piece of news I was shocked as I couldn’t ever imagine this occurring. More significantly it gave me hope for the rest of the country. As this happened in 2006, it should have had time to become a model for the rest of the country. If you are not familiar with the reform that was passed in the ole MA in 2006 you might be surprised to learn that it actually helped cover nearly the entire population of Massachussets citizens. More importantly, in this state where cigarettes are nearly $8 a carton and everything is more expensive than in Florida they were able to cover the entire populace with health plans that were also better than what we are forced to give out in Florida.



From: http://echealthinsurance.com/blog/the-massachussets-model-a-progress-report/

Health Insurance, Technology, and the National Debate - Associated Content - associatedcontent.com

Spent any time listening to the health care debate recently? It seems almost impossible to avoid, and the partisan fighting on either side of the aisle can make for a difficult time in understanding the issues.

President Obama has tried to lay out his plans to show how they will benefit all Americans, and while some of the details of the funding and budgeting remain fuzzy, the reforms are fairly comprehensive. A stop in July in Ohio gave the President the stage to speak in a town-hall type meeting.

There, he explained that his reforms were not proposed only for those Americans (over 45 million) who were without health insurance; instead, he maintained that he was working to try to hold insurers to a higher standard for whom they will cover. Out-of-pocket expenses are a huge issue across the board and both the President and the Democratic Party at large are emphasizing the need to cap these expenses for those already insured under a plan. An additional key point the President makes is the importance of making it illegal to deny coverage for pre-existing conditions, making it more feasible for those with illnesses from diabetes to cancer to obtain health insurance to help manage the costs of their care. As it stands, such a diagnosis can almost immediately bankrupt those who do not carry the appropriate levels of coverage (or who do not have insurance at all).

In an economy in which small business (and larger business, as well) are being hit harder and harder in their bottom line by employee health-care costs, both sides agree to the need for reform. Interestingly, the fact that President Obama chose to lay out many of the specifics of his plan in Cleveland provided a background for a case study in success, focused on the Cleveland Clinic.

The Cleveland Clinic is recognized nationally as one of the best providers of care at the lowest-per-patient cost. During his remarks in July, President Obama praised the high quality of care doctors and nurses provided, at their own discretion, and called for those types of reforms to become national so that the quality of care could be determined by health care providers (as opposed to insurance companies). The highly trained staff at the Cleveland Clinic is empowered to make on-the-spot health care decisions for their patients without elaborate insurance company involvement.

This quality of care is made possible in part due to the technology employed by the Cleveland Clinic, allowing for better patient record-keeping and more accurate test monitoring. Repeat tests, or duplicative tests, almost never take place due to a speedy and accurate technology backbone that accurately and efficiently monitors patients' procedures, health, and ongoing treatments. Fewer tests means lower expenses. This focus on technology will likely be an ongoing segment of the health care debate. Better care with a cost-effective bottom line is the goal both sides are seeking.

From: http://www.associatedcontent.com/article/2200795/health_insurance_technology_and_the.html?cat=75

Health Reform, Death, and Health Insurance Florida Health Insurance News

Death and Health Insurance: Why the Link?

Below is a CNN article about the amount of people that are estimated to die from a lack of health insurance coverage. Pretend for a moment, if you are against the health reform movement, that you are watching a family member die from this same situation. If you then remark that had they been more responsible they would have had insurance, then you should not even be on this website, as it is not suitable for you.

Again, there is nobody that should be denied health insurance regardless of health or wealth. If you cannot afford basic health insurance then you have a right as an American to receive public assistance. My personal tax dollars should go directly to insuring these people. Now if you have no insurance and think you don’t need it, you deserve a good smack, but even your current stupidity should not lead to your lifetime exclusion from health insurance. No one should be penalized for bad judgement even those against health reform.

Those against the public option however are also deficient in judgement as they cannot understand the necessity of health reform, still as a Republican who believes that without socializing medicine, you are in fact sentencing the United States economy to a future of poverty from what is sure to be the most painful depression anyone has ever seen, I am againt the public option as even this does not go far enough in controlling these costs from health care which seem to be escalating faster than Asian population growth.

From: http://echealthinsurance.com/blog/people-are-actually-dying-from-not-having-health-insurance/

Free Health Insurance Florida Free Health Insurance

How to Jibe the System and Get Free Florida Health Insurance

Florida Health Insurance for Bears

First of all, I know the heading is very eye catching, so please understand that I am doing this because whenever possible I like to stick it to the Florida health insurance companies. There is a way to get multiple free months if you are eligible for Cobra or have individual Florida health insurance.

What does this mean, and How do I do it?

It is not a free health insurance policy, it is not Medicaid. First of all, whenever I get a call from one of my health insurance clients complaining of a rate increase, the first thing I do is tell them that we are going to stop their electroinic payments if applicable so that they get a paper bill henceforth instead of having the monthly premium removed from their bank account.

Assuming that the person is relatively healthy and I can find cheaper health insurance without sacrificing benefits (so far I have been able to do this 90% of the time) I will pinpoint a new Florida health insurance company and policy for them and apply immediately. In this example, lets say I get the first call about the increase on August 27th. So assuming I am able to stop the bank draft for the month of September the client will get a paper bill for the period from September 1st to the 30th. During this period, I instruct the client to not pay the invoice and to not use the health insurance unless it is necessary. Read more at http://echealthinsurance.com/free-health-insurance.html

From: http://echealthinsurance.com/free-health-insurance.html

Health Reform

The Health Care Laughs Keep Coming

Currently health care costs make up 14% of the economy and that number is expected to almost double within the next decade which will mean that health care and related fields will make up an estimated 1/3 of our GDP. If you include the legal profession, nearly 1/2 of our population will either be engaged in receiving or giving health and the rest will be busy suing them. The doomsday figures of course do not end there and if I wanted to give you nightmares, I would recommend Peter Schiff’s excellent books on this subject (do not read before bed).

As a online Florida health insurance broker, I am one of these guilty parties engaged in helping people get health care, and I can tell you that it is no picnic. Many of the people that call us have been laid off

and/or have some serious illness that precludes them from getting individual health insurance. This means that they either find a new job, or throw themselves onto the mercy of the government assistance programs, that are luckily more abundant than many people think. These people will need to basically be broke and have no assets to get on Medicaid, or hope that their local government provides a county health plan. In Miami, Florida they do have such a program at Jackson Health System and it is being overwhelmed right now with applicants. This program is actually amazing, and we are lucky to have it as option, though it operates at a substantial loss Miami-Dade county.
So, having bet my career on health insurance I am at a terrible crossroads. I had a choice, be like many brokers and scream bloody murder at the thought of a public health plan or try to seriously form an opinion divorcing myself from the equation. After seeing so many sad stories first hand, I am utterly convinced that Senator Ted Kennedy had it right when he said, “health insurance is a right, not a privilege.” The only way to fix the health care crises is to hand the whole mess to the government as the private companies are acting in their own best interest. Everyone, it seems act in their own best interest including health insurance brokers like me. This was the founding principle of capitalism and of our nation, so it can’t all be bad.

But there is a point when it gets bad. And I am sad to say that day has arrived, no it has come and gone. We live in a bad nightmare of capitalism in the health insurance industry. What did you expect to happen though, when you gave health insurance companies the right to deny everyone that didn’t fit their mold of healthy? I am not angry, nor am I surprised by this but I am comfortable with it, as there are people much smarter than you and I that already figured out all of this out hundreds of years ago. If the government lets powerful corporate entities set the national policy agenda they will of course act in their own best interest. If you let a Florida health insurance broker have a choice he will of course pick the status quo because it is in his interest to.

I am by no means suggesting a socialized health plan, nor am I advocating any specific health care solution. As much as I read and write about the problem, I have no earthly idea of how to fix it. Really I don’t, but it is not my job to. My job is to make sure that everyone in Florida that calls or contacts me has a chance to get either a private health insurance plan, or if that fails I want to be able to send them to a proper health care plan that will neither deny them for medical conditions, nor will it offer any less standard of medical care then the state politicians get.
http://echealthinsurance.com

From: http://hubpages.com/hub/Health-Reform-Opinion-Health-Broker

Health Reform, Health Care, Health Insurance equals Depression Florida Health Insurance News

This is the page where I try to keep everyone in the circle of information. Basically as of today 9/17/2009, we are looking at a Senate vote that seems nearly impossible even assuming a moderate bill is proposed. Why because the lefty Dems. want more and the righty Dems want less. In order to for any bill to pass, it has to have the 59 Democrat senators. What bill has the best chance of passing? A moderate one, what has the least chance of being effective? THE SAME ANSWER A MODERATE ONE. By the time anything is even proposed it will be so watered down, that I fully expect it to add to the growing health costs not subtract as President Obama has demanded. Remember, a bill without a public plan will not force health insurance premiums or medical costs down. If the pharamceuticals, medical professionals and health care institutions are allowed to dictate pricing and the amount of uninsured stays the same then there is no reason to expect cost control. Put simply, the health care industry as a whole will continue to bill the insured to pay for the uninsured. That is an important factor in the health care costs battle.

There is only one answer of course, and that is a public plan. Not a public plan, but the public plan. Yes, we need to socialize the bulk of health care. I am not mincing words. I need to be out of a job. If not, health care costs will consume this nation in a sea of economic despair. Forget global warming, which is at least 50 years away from making life considerably harder. I expect the next recession to put a big going out of business sign on the country. And that will make the Great Depression look like a shopping spree. The next recession is like global warming it is coming and it cannot be stopped anymore than we can stop the hammer from falling on this economy. Too many years of political and economic irresponsibility has racked up quite the bill. To be sure, it is a Republic, conservative recession almost entirely. You cannot make the world have laws, and then let those laws be broken by powerful companies or powerful people. That is exactly what happened. In any event like global warming, the coming recession will be as bad as we can imagine, the only question will be how severe.

There is one caveat to this recession, which of course is either another bubble (which would only delay the recession not stop it) or incredible economic growth through a miracle technology that lets the country have enough economic growth to pay off its debt and control its deficits. Is it possible? Why not? Has it ever happened before? Not really.

From: http://echealthinsurance.com/blog/health-reform-update/

Autism and Florida Medicaid for the Disabled

Autism and Florida Health Insurance





I did some digging on Autism and Florida health insurance law as it recently became the subject of a pro-bono case that our brokerage was working on, and we came across a lot of information, but found these articles that seemed to be especially pertinent to what the general inquiries tend to about and I hope it helps anyone that is a care-taker for an Autistic child or adult. I also attached some documents from a meeting held in June of this year in which illustrates eligibility and benefit details along with waivers for Medicaid; although many of you may have already been aware of this I thought it would be worth including since many Autistic children are not only eligible for Medicaid benefits but also at least some Social Security benefits. I am sorry that I am ignorant in these matters since I specialize in private Florida individual and group health insurance coverage, and have therefore only began to tap into the surface of public and government sponsored plan alternatives for the disabled in Florida.

First off is the Florida Medicaid Eligibility and Medicaid Benefits Form.

The next pertinent document would be the Medicaid Waiver Form for Florida

I included an article at the bottom of this post pertaining to a strategic plan that is apparently in the works as of April this year and in my opinion between the research development, funding and the various federal and state departments involved I believe that Medicaid may be a viable option.

Florida Medicaid Developmental Disability Information

Good luck and please feel free to contact us should we at East Coast Health Insurance be of any assistance at all! We are happy to help anyone

From: http://echealthinsurance.com/Autism-Florida-Medicaid.html

Florida Health Insurance Resources

Florida health Insurance Bible and Resource Guide For Brokers, Uninsured and anyone in the Tricounty area

South Florida Guide to Getting Health Coverage When You Lose Your Job or Benefits

I have this page here for permanent linkage it will even make its way on to the main page one day when time permits me to do it, as it is useful to me, my brokers, and to everyone in South Florida that has lost coverage or can’t afford, or has gotten ill, I don’t care what it is if you can’t get health coverage you need to go through these contacts. This is the most important thing I will ever do on the internet and my entire life has led up to this post. Thanks Mom!

First call us at ECHealthInsurance.com at 888.803.5917 we will give you free advice and not charge you a penny even when you decide to go with a free plan, or we have to do a two man group, but you had better call us when the economy improves or refer us to your friends because I know how to work computers and will spam your parents, friends, and family with pictures of you photo-shopped into an ugly religious ceremony. We also represent, and I am not fibbing here every company in Florida through our brokerage. I don’t have to list them all here but I will because I think its relevant and I like long run on sentences. Aetna, Avmed, Cigna, Coventry, Blue Cross Blue Shield, Vista, United, Humana, and wait that is it actually.

Secondly if you can get an individual plan it is usually a good bet, as it is guaranteed to not go away until the day you can’t afford it anymore, or you turn 65, or Barack Obama makes us all sharecroppers with health benefits and 401k plans already paid up, and he comes over and takes care of the kids so you and the wife can finally go out to that nice Greek place in Boca that your parents keep talking about.
Go ask your wife (or ex-wife) if you can go on her plan at work: If you can’t get individual health coverage this is the way to go and shame on you for not thinking of it!

COBRA: The federal Consolidated Omnibus Budget Reconciliation Act requires employers to let laid off workers and their families stay on the company plan for 18 months after they leave, with no denials for pre-existing conditions. Now 36 monthes with nothing else to buy ever!
Cobra can be a great option if you are over 55 as usually the price is reasonable as COBRA is an average premium from your old company so you probably are paying the same price as those nitwits with the Scions and the skateboards and the fancy cellphones that are giving you migraines. HOWEVER, it ends and then what? That’s when they come crying to ECHealthInsurance.com and beg us to do something and we can but it is usually very expensive and will make you wish you had gotten an individual plan as that cannot be taken away or end and is bound to not go up based on what your expenses are.

Individual policies: The best option when purchased with ECHealthInsurance, but as with all options this also has inherent risks as well, and can be more costly then group in certain demographics . Healthy people should always go for this, as should business owners, and dog breeders.This is what we do and we are so good at it that you will actually cry with joy. We have an option for every situation so don’t be afraid to call us we will get you coverage and you might be surprised by how affordable it is.

Self-employment: If you plan to start your own business with a partner or employee, you can save by buying group coverage with as few as two people. We make almost no commission on this and hate it, but we will do it because we love you. This makes more sense as your business grows.

Government: One-third of the uninsured qualify for government coverage but don’t know it, so call us and we will tell you this on the phone.

Florida Medicaid: The state-federal program covers children from families with income less than the federal poverty level ($21,204 per year for a family of four), higher for those under age 5. But parents qualify only up to 21 percent of the poverty level and childless adults get no coverage. fdhc.state.fl.us/Medicaid or for eligibility, 866-762-2237.

Pregnant women: Medicaid covers them with incomes up to 185 percent of the poverty level ($39,228 per year for a family of four). Florida KidCare: Under a series of state-sponsored programs for children, most families pay no more than $15 to $20 per month total. Those with higher incomes pay market price but at a big discount. floridakidcare.org or 888-540-5437.

Broward County hospital districts: Tax-supported district hospitals and clinics offer full care for free or at deep discounts for the uninsured. Waits for care can be longer than normal. District officials said their programs may appeal to higher-income uninsured people, because even full prices are discounted.

North Broward Hospital District: browardhealth.org or 954-759-7400.

South Broward Hospital District: mhs.net or 954-987-2000.

Health Care District of Palm Beach County: The tax-backed district’s Vita Health covers the uninsured making up to 300 percent of the poverty level ($63,612 per year for a family of four). Premiums are $25 to $100 per month per person. vitahealth.org or 866-930-0035.

Florida “high-risk pool:” Covers people too sick to get coverage elsewhere, but the state stopped taking new members years ago because of high costs. Some advocates would like the state to reopen the pool because of the down economy, but there’s been no move to do so. Its over Johnny.

County health department: Clinics for the uninsured. An adult dental clinic just opened at Broward College in Davie, with free or low-cost care. Broward County: browardchd.org or 954-467-4700. Palm Beach County: pbchd.org or 561-840-4500. At least get your physical, so you know ahead of time what operation you needed when you die.

Cover Florida: Private insurers offer low-cost, bare-bones policies through this new state program. Coverage for doctor visits and/or hospital care is bare-bones only. Even so, they keep people covered so their next insurer cannot deny pre-existing conditions. CoverFloridaHealthCare.com or 850-922-3809. This plan is a funny joke, and is what national health care will resemble should it ever pass. $200,000 is the total benefit, I spend that on one collagen implant.

Federally qualified health centers: Typically small, these nonprofit clinics target the uninsured with no other options. findahealthcenter.hrsa.gov

For more information, try:

Henry J. Kaiser Family Foundation: kff.org/uninsured

Foundation for Health Coverage Education: Coverageforall.org or 800-234-1317. Nonprofit that refers people to specific insurers.

ECHealthInsurance: echealthinsurance.com or 888.803.5917. Company that refers people to specific insurers and is generally as they say, “the bees knees.”


From: http://www.echealthinsurance.com/florida%20health%20resources.html

Florida Medicare Supplement Handbook and Florida Health Insurance Manual

Medicare supplements are really quite simple and they are identical which means every company no matter how bad their ratings are is the same. They have the same network and the same benefits.

This probably the best health insurance in the world except for our elected officials who have it just a bit better and that is because they have drug coverage completely covered whereas Florida only has the George W Bush Medicare Drug plan, which is a haphazard set of rules that somehow made pharmaceutical companies even richer and seniors even poorer.

Here how a Florida Medicare Supplement works, basically Medicare part A and Part B, one covers office visits and such and the other hospitalization cover 80% of your medical bills wherever and whenever they occur. What a Medicare supplement would do is pay the other 20%.

The best part of these plans is that their networks include anyone that is a physician as you can go to any doctor anywhere. The downside of course is that they are expensive ranging from three to six hundred a month depending on your demographics. And if you add that to your Medicare premium that comes out of your social security you realize that you are paying and that the old homage stays true that there is no free lunch. And remember at least you have Medicare it is doubtful the current plan will be around when I retire and it moreover there are so many millions of people under 65 that have no insurance because of the premiums and lack of insurability.



medicare picture

A collection of 12 different plans -- identified by the letters A through L -- give Medigap policy holders varying combinations of benefits. The plans cover expenses ranging from copayments, coinsurance and deductibles, to foreign travel emergency expenses, at-home recovery and preventive care.

The only things that the policy doesn't cover is what you would expect obviously the medication, the long term care items including home health care and nursing, dental and vision etc.

There is prescription drug coverage available though through Medicare part d which can be better then nothing for some people. Although if you can ask your doctor for generics you will save yourself an enormous amount of time and money.

As long as you are eligible for Medicare and have part a and b we can enroll in you a Medicare supplement in Florida. And at East Coast Health Insurance we basically pick the cheapest plan as they all have the same benefits and network in Florida.

Of course if you have the money then it would be a no brainer as you should of course get the supplement and never worry about anything again, but for most Florida retirees struggling through retirement now might be a good time to switch to an HMO as it seems more likely then not that Obama will have to clean Medicare's clock which is bloated and full of waste and corruption as any good government program tends to be. We all hope that some reform comes to health care as our current system is in danger of bankrupting the country.

From: http://echealthinsurance.com/medicaregeneral.html

Florida Coinsurance Definitions and Coinsurance Scams

Health insurance in Florida, is a little like health insurance in the rest of the country only with many more shenanigans. This is why we offer the guide to shopping for health insurance in Florida. The singularly most important thing to watch for is your out of pocket annual maximum. In many cases this is the most prime area for companies and health agents to pull a fast one. The agents will typically show you a deductible which is somewhat low and then they stop there and will not even discuss coinsurance which comes after the deductible and is really a continuation of the deductible.

Coinsurance defined is the percentage after the deductible that the insured is responsible for. So if the coinsurance is 80/20 the insured would first meet the deductible and then continue to be responsible for 20% of the bills. With most reputable health insurance companies in Florida like Blue Cross or Aetna the coinsurance would stop at a defined amount, with Aetna the average is two thousand dollars. Hence, when calculating your annual exposure, it is important to add the deductible and the coinsurance maximum.
The Florida Companies that Practice the Art of Deceptive Marketing


For example, if you were to purchase the Aetna Open Access 2500 health plan in Florida your deductible obviously would be 2500 and the coinsurance is 80/20 to 2500. This means that in the case of this particular health plan your out of pocket maximum is your deductible $2500 plus your coinsurance maximum $2500 for a total annual out of pocket maximum of $5000.

This is where the health insurance companies that are less than reputable where pull their tricks. They have either no coinsurance maximum or an extremely high coinsurance maximum so in many cases your out of pocket maximum is infinite, as you would be responsible for 20% of your medical bills in perpetuity.

So which ones do this? Well anything from Health Markets will actually fall into the category of the undefined coinsurance as their products including Mega, Midwest, and United American should be unconstitutional. These Florida health insurance companies will actually kill you if you let them. They are more harmful than radiation exposure. In Miami Preferred Medical also has a 25% coinsurance with no ceiling as well.

The other companies including Avalon and even Golden Rule to some extent, as well as lesser known names such as Assurant, who just have extremely high coinsurance maximums. Though you don't have to pick these options, disreputable brokers will conceal the coinsurance from you and instead let you think you are getting a great plan and the best rate ever.

From: http://echealthinsurance.com/Florida-Coinsurance-Definition.html

New Miami Dade Blue Cross Blue Shield Florida Health Insurance Quote

Think quality health care is out of reach? Think again. Miami-Dade Blue offers quality, affordable health care coverage, to keep your family healthy for less. We make it simple for you to go to the doctor for routine visits, get prescription medications, lab tests, hospital stays or surgeries, dental check-ups and more. Designed in collaboration with Miami-Dade County, this insurance policy is just for people live or work in Miami-Dade. With the most affordable premiums in the industry Blue Cross is stepping into the future. All plans average $100 per month across all demographics! Most are less! Get a Miami Dade Blue health insurance quote now!

There is only one Miami Dade Blue plan, so no confusing benefit charts to study and compare. There is only one because that is the only one that you need to look at. How does it work?

Its simple and very comprehensive. The Miami Blue Cross Blue Shield plan has a $250 deductible per year. That is all! Before that deductible they cover office visits and prescriptions and most testing and routine procedures. For the same plan as a traditional plan in Miami you would actually receive a $5000 deductible. http://echealthinsurance.com/dadeblue.htm

From: http://www.echealthinsurance.com/dadeblue.htm

Health Reform and Primary Care Physicians Florida Health Insurance News

We are a health insurance broker in Florida who cares about health reform and we once in awhile have outside writers submit articles to keep the conversation going. Meghan is a mother of twin in New Jersey and she brings up an interesting point about health reform which is beginning to look like it will resemble the Massachussets model in that it will include mandated coverage. ECHealthInsurance supports universal coverage as this is the only way to control health care costs which are threatening to become one half of our economy. Additionally, we feel that this option would actually solve the primary care issue, but as this is seemingly “socialism” (though it is no more socialism then Medicare) it is off the table.

Health Reform Debate

A major component of the health care debate is an emphasis on preventative care—providing for earlier detection, promoting healthier lifestyles, allowing for diagnosis and treatment before minor issues become major. However, one of the biggest obstacles here is access to the doctors who provide this care: primary care physicians.

Have you tried to see a primary care physician lately? It can take weeks, even months to get an appointment, and you may be waiting in a room for a while as these doctors are so overburdened and busy. There is a shortage now, and it is predicted that those shortages will only grow—one estimate says that within 15 years, we may be facing a shortage of over 125,000 general practice doctors.

This is a problem that isn’t quickly fixed—after all, medical school is a significant commitment of time and money. And it is that fact that contributes to the shortage—many pragmatic medical students rationalize that the best way to pay off their astronomical tuition bills, which can top $200,000, is to go into a more lucrative specialty.

Insurance companies pay more for specialized ‘procedures’ than for general office visits, so on an ongoing basis specialists make more than general practice doctors. One comparison—an average primary care physician makes $173,000, versus a specialist such as a radiologist ($391,000) or a cardiologist ($419,000).

Primary care physicians also face longer hours, in many cases, then certain specialities. And surveys of medical students point out that a great many of them wish to have some control over their lifestyles—not to be on call at all hours. This is even more true for women who wish to have families and a medical career, and larger numbers of women are entering medical school than in decades past. Thus, even if certain doctors do go into primary care, they may have reduced hours which contributes to the overall shortage.

What solutions are on the table? The President has suggested scholarships and financial incentives to help offset tuition for those who follow the primary care physician path. He has suggested an expansion of the National Health Service (which provides for tuition assistance in return for 2-4 year commitment, by the doctor, to serve in regional health centers for under-served communities). Also, many of the proposals on the table include provisions for community health centers, to help offset the burden on individual doctors.

There is reason for concern: Massachusetts, the first state to mandate insurance for all citizens, has seen a dramatic increase in the wait to see a doctor for a first visit, since it added almost 350,000 new insured citizens over the last 3 years. In fact, it takes twice as long in Massachusetts to see a doctor than in Washington, DC—seven times as long as the wait in Atlanta. Statistics like this point even further to the need for more primary care physicians. And we can’t afford to wait.

From: http://echealthinsurance.com/blog/primary-care-physicians-where-art-thou/

Health Reform and A Health Broker: A Love Story

How A Florida Health Insurance Broker Learned to Embrace Change
I just left the house of a 47 year old man who I had met with nearly 2 years ago, when I originally met him I was so concerned with myself and my life I never considered researching Florida public assistance programs. My business was selling Florida health insurance and I did the best I could to give the person the most health insurance I could for the least money. I went so far as to license with every reputable company and have never so much as held a discount plan in my hand much less sold one.

I would try to write somebody with the health insurance company that was of course the most suitable and if I failed, I considered it to be not my fault and not my problem. Success gives people a chance to reflect and due to my diligence in selling the best company to people I attained a very solid level of success in a very difficult business.

Back to this guy John (fictitious name), I drive to his house in South Florida (and I never go on face to face appointments and try to not even pick up the phone if possible) and I get out of the car and find out that his COBRA ended in April and he was now without health insurance as someone swindled him into buying United American which he quickly figured out was a bogus company.

Having had cancer in the last two years he was uninsurable unless you know a way around the system. Most brokers do and I learned one my first day which I was about to do for this guy as he out of work and needed insurance.

But upon hearing his situation (I had forgotten, had he reminded me, he could have saved me three hours of my life) I sent him right over to the Broward health district program and lost a sale.

Health reform is not about me or any liberal organization, it is about people that through no fault of their own have no health coverage because of either a health or wealth situation. Most people don’t have me or my company as a broker and would most likely have ended up paying $300 per month when they could have a free insurance policy. Most people don’t know me nor should they have the displeasure of getting to know me. But all people deserve health coverage and medical attention. John is lucky, most people like him are in way worse situations that I can’t solve.

In the end there is nothing that I can do about this situation that I am not already doing, but I would really love to hear that more people regardless of political motivation see that this situation rises above politics and finance.

People who want to help can call Senator Bill Nelson at 202-224-5274 or http://billnelson.senate.gov/contact/email.cfm Nelson is on the critical Senate Finance Committee and while he leans towards supporting substantial reforms like the public option, he is not a leader despite his position and needs of the state he represents. He needs to hear from all of you.

Support health reform in Florida, Support FCAN and all health reform organizations.


From: http://hubpages.com/hub/Health-Reform-and-A-Health-Broker-A-Love-Story

East Coast Financial

LinkFlorida Health Insurance
Florida Health Insurance from East Coast Health Insurance offering all Florida health insurance plans from Miami to Jacksonville including Aetna, Avmed, Blue Cross Blue Shield, Cigna, Coventry, Humana, United, and Vista . Visit us on the web at http://ECHealthInsurance.com

POLITICO - POLITICO.com

I just left the house of a 47 year old man who I had met with nearly 2 years ago, when I originally met him I was so concerned with myself and my life I never considered researching Florida public assistance programs. My business was selling health insurance and I did the best I could to give the person the most health insurnace I could for the least money. I went so far as to license with every reputable company and have never so much as held a discount plan in my hand much less sold one.

I would try to write somebody with the most suitable Florida health insurance company that was of course the most suitable and if I failed, I considered it to be not my fault and not my problem. Success gives people a chance to reflect and due to my diligence in selling the best company to people I attained a very solid level of success in a very difficult business.

Back to this guy John (fictitious name), I drive to his house in South Florida (and I never go on face to face appointments and try to not even pick up the phone if possible) and I get out of the car and find out that his COBRA ended in April and he was now without health insurance as someone swindled him into buying United American which he quickly figured out was a bogus company.

Having had cancer in the last two years he was uninsurable unless you know a way around the system. Most brokers do and I learned one my first day which I was about to do for this guy as he out of work and needed insurance.

But upon hearing his situation (I had forgotten, had he reminded me, he could have saved me three hours of my life) I sent him right over to the Broward health district program and lost a sale.

Health reform is not about me or any liberal organization, it is about people that through no fault of their own have no health coverage because of either a health or wealth situation. Most people don’t have me or my company as a broker and would most likely have ended up paying $300 per month when they could have a free insurance policy. Most people don’t know me nor should they have the displeasure of getting to know me. But all people deserve health coverage and medical attention. John is lucky, most people like him are in way worse situations that I can’t solve.

In the end there is nothing that I can do about this situation that I am not already doing, but I would really love to hear that more people regardless of political motivation see that this situation rises above politics and finance.

Support health reform in Florida, Support FCAN.org and all health reform organizations.

From: http://dyn.politico.com/snetwork/profile/profile_blog_view.cfm?id=1B916539802FAD2DF661C8139844CD74

Florida United Health Care Health Insurance Plan

More choices for better Florida Health Insurance.

UnitedHealthcare has a variety of plans* to help you find the coverage you need at a price you can afford. You can also purchase optional benefits and riders to further increase your coverage.

Need a Florida health insurance for yourself or your family?


Get a quote For costs, benefits, exclusions, limitations, eligibility and renewal terms, call 888 803 5917 or get a United health Care Florida Health Insurance quote.



Our health insurance plans include:

United Health One Copay Select in Florida
United Health One Florida Quote

Convenience and comprehensive coverage combined.

Copay insurance plans offer many of the same features, benefits, and qualifications as traditional employer insurance plans.



Copay insurance plans:

* Require a set fee for office visits and preventive care visits to your Preferred Network doctor
* Cover 100% of your history and exam costs after copayment (subject to all policy provisions)
* Usually include prescription drug card benefits



Golden Rule covers inpatient and outpatient medical expenses up to a $3 million lifetime maximum benefit per covered individual. You may also choose to buy up to $5 million in coverage. A Golden Rule Copay insurance plan may be right for you if you:

* Prefer the convenience and predictability of copayments for routine health care expenses
* Have young children with regularly scheduled doctor visits
* Want copayment benefits for preventive care and prescription drugs





*
Health Savings Accounts (HSA)

Take control of your health care dollars.

Health Savings Accounts (HSA) combine a lower-cost, high deductible health insurance plan with a tax-favored savings account.



HSAs allow you to:
o Deposit the money you save on premiums into your tax-favored health savings account (HSA), subject to federal limits
o Use these savings to pay your qualified health care expenses until you meet your deductible
o Have insurance start paying your covered health care costs once your deductible is met
o Let your unspent savings roll over year after year and earn interest



Golden Rule HSAs may be right for you if you want:
o More control over how your health care dollars are spent
o One calendar year deductible per family
o Lower monthly premiums
o Tax savings

Lower cost, high-deductible plans combined with a tax-favored savings account for more control over health care expenses.

*
High Deductible


An economical way to protect your health.

Some individuals prefer to pay a higher deductible, knowing that all subsequent covered expenses will be paid by their insurance plan.



With high deductible insurance plans:
o You take responsibility for covering any minor or routine health care expenses until your calendar year deductible is met
o Once you meet your deductible, your covered health care costs are paid by insurance
o Your deductible is higher than other insurance plans, but your premium is low

A Golden Rule® High Deductible Insurance Plan may be right for you if you are:
o Willing to pay for routine health care expenses in exchange for lower premiums
o An early retiree needing a bridge to Medicare
o Looking for protection from unexpected accidents or illnesses at a lower cost
o


From: http://echealthinsurance.com/united-health-one-health-quote.html

Florida Department of Financial Services Guide To Florida Health Insurance

Nobody plans on getting sick or injured. But life is full of unexpected events that force us to seek medical care. These include everything from a common cold to a more prolonged illness or injury. When these situations arise, your best financial defense is to have adequate health insurance.
Health insurance can help protect your assets and pay medical expenses, but selecting the policy to best meet your needs can be challenging. This guide explains the various types of policies that are available, offers tips on choosing a policy and provides definitions for the numerous health insurance terms you may encounter.  
Your first health insurance choice may be to decide between traditional health insurance and a managed care option. With traditional health insurance, you – the policyholder – select a health care provider, such as a doctor or hospital.
You may have to pay for services when rendered and then submit the bill to the insurance company for reimbursement of the portion it agreed to pay under the policy terms. Frequently, the provider will submit the bill directly to the insurer and await payment.
The managed care system combines the delivery and financing of health care services. This limits your choice of doctors and hospitals. In return for this limited choice, however, you usually pay less for medical care (i.e., doctor visits, prescriptions, surgery and other covered benefits) than you would with traditional health insurance. The managed care network controls health care services.
You may obtain the free publication Health Maintenance Organizations: A Guide for Consumers by calling the Consumer Helpline toll-free at 1-877-MY-FL-CFO (1-877-693-5236), or by downloading it from the DFS Web site at www.MyFloridaCFO.com.
Exclusive Provider Organizations (EPOs) In an EPO arrangement, an insurance company contracts with hospitals or specific providers. Insured members must use the contracted hospitals or providers to receive benefits from these plans. Preferred Provider Organizations (PPOs) A PPO offers another kind of provider network to meet the health care needs of consumers. A traditional insurance carrier provides the health benefits. An insurer contracts with a group of health care providers to control the cost of providing benefits to consumers. These providers charge lower-than-usual fees because they require prompt payment and serve a greater number of patients. Consumers usually choose who will provide their health services, but pay less in coinsurance with a preferred provider than with a non-preferred provider.
Point-of-Service Plans These plans may be called by a variety of names and have various features. They combine some aspects of traditional medical expense insurance plans and other aspects of HMOs and PPOs. In a POS plan, insured members may choose, at the point of service, whether to receive care from a physician within the plan’s network or to go out of the network for services. The POS plan provides less coverage for health care expenses provided outside the network than for expenses incurred within the network. Also, the POS plan will usually require you to pay deductibles and coinsurance costs for medical care received out of network.


From: http://www.echealthinsurance.com/florida-health-insurance-guide.html

Florida Annuity - Fixed, Indexed, Variable Annuities Shop Immediate Annuity and Deferred Annuity

Florida Annuity Quote Request

Annuities, quite simply, are a contract between investor and insurance company in which the investor pays a set amount (a “premium”) to buy into an annuity and by so doing, purchases (at a specified point) a revenue stream of payments that typically has some level of guarantee.

Annuities vary based on underlying investments (variable, indexed, fixed), time period (immediate and deferred), and suitability. They can be complex—anyone considering investing in an annuity should speak with their advisor, do their homework (read the prospectus and compare various options, for example). However, for certain investors, they can be an excellent source of guaranteed income for retirement. As a long-term investment, they offer tax-deferred savings and certain guarantees (varied by type) that can be an attractive option.
Florida Annuity Investments

Annuities can invest in a portfolio of equities and funds (variable—with a higher payout potential, due to higher risk) or track the performance of the market in general or key market segments (indexed annuities)—whether one of those options is right for you depends on your risk tolerance and your long-term goals. Read more on the following pages.

Annuities can provide a stream of investment available from day one (immediate) or at a later date (deferred annuities). They can be part of an estate planning strategy and provide a stream of income for heirs or dependents. And various options can be purchased such as living benefits or death benefits that can pay over the value of the policy, depending upon what option is chosen—and paid for.
Are Annuities For You?

Annuities are not for everyone but can be a solid part of an investment portfolio. If you are considering the purchase of any type of annuity, talk to your investment advisor and compare options from different types of companies. Not all annuities are created equally! Insurance companies, in fact, compete with each other in terms of price, guarantees, and benefits—so determine what is most important for your portfolio and your needs, and chose the option that best fits in with your long-term goals.


From: http://myfloridaannuity.com/

health reform, florida health reform Florida Health Insurance News

Thanks for the kind words and your advocacy for health care reform. People like you who are on the front lines, dealing with this every day, know how difficult the problem can be. Empty rhetoric on talk shows doesn’t solve the problems or get health care delivered to anyone.

People who want to help can call Senator Bill Nelson at 202-224-5274 or http://billnelson.senate.gov/contact/email.cfm Nelson is on the critical Senate Finance Committee and while he leans towards supporting substantial reforms like the public option, he is not a leader despite his position and needs of the state he represents. He needs to hear from all of you.

I love praise!

I just left the house of a 47 year old man who I had met with nearly 2 years ago, when I originally met him I was so concerned with myself and my life I never considered researching Florida public assistance programs. My business was selling health insurance and I did the best I could to give the person the most health insurnace I could for the least money. I went so far as to license with every reputable company and have never so much as held a discount plan in my hand much less sold one.

I would try to write somebody with the health insurance company that was of course the most suitable and if I failed, I considered it to be not my fault and not my problem. Success gives people a chance to reflect and due to my diligence in selling the best company to people I attained a very solid level of success in a very difficult business.

Back to this guy John (fictitious name), I drive to his house in South Florida (and I never go on face to face appointments and try to not even pick up the phone if possible) and I get out of the car and find out that his COBRA ended in April and he was now without health insurance as someone swindled him into buying United American which he quickly figured out was a bogus company.

Having had cancer in the last two years he was uninsurable unless you know a way around the system. Most brokers do and I learned one my first day which I was about to do for this guy as he out of work and needed insurance.

But upon hearing his situation (I had forgotten, had he reminded me, he could have saved me three hours of my life) I sent him right over to the Broward health district program and lost a sale.

Health reform is not about me or any liberal organization, it is about people that through no fault of their own have no health coverage because of either a health or wealth situation. Most people don’t have me or my company as a broker and would most likely have ended up paying $300 per month when they could have a free insurance policy. Most people don’t know me nor should they have the displeasure of getting to know me. But all people deserve health coverage and medical attention. John is lucky, most people like him are in way worse situations that I can’t solve.

In the end there is nothing that I can do about this situation that I am not already doing, but I would really love to hear that more people regardless of political motivation see that this situation rises above politics and finance.

Support health reform in Florida, Support FCAN and all health reform organizations.

From: http://echealthinsurance.com/blog/health-reform-and-our-opinion-yes-another-one/

Florida Health Insurance Blog

Another ECHealthInsurance.com blog

From: http://echealthinsurance.blogspot.com/