There are a variety of top notch health insurance carriers in the state of Florida. With the extreme variety of product available... increasing competition will help you the consumer find a quality plan. There constant fighting for market share ends up making carriers drop rates at various times through out the year. Choosing the right one can be quite a daunting task in many cases. The internet thankfully is a useful aid in your quest for the right Florida health insurance plan.
There are many online Florida health insurance companies that come to you with a host of offers and options for your entire family. The internet is one good source to learn about Florida health insurance plans and the different options available to you. Go through as many web sites as possible. There are scores of web sites which give comprehensive information. Moreover it is very convenient to get rates through online resources once you have decided to go in for a Florida health insurance plan, you should make sure that you thoroughly analyze your needs. This would also mean a hassle free health insurance experience.
Consider as many Florida health insurance companies as possible during your initial search phase. One person who can help you out with your search would be your insurance agent advisor. They may be in touch with several insurers and may be able to guide you in your search for the right Florida health insurance company. They would also offer your honest and valuable advice on the various Florida health insurance plans that are available.
Make sure that you obtain all the available cost information from your Florida health insurance company. Analyze your paying capacity and find out what is that you can afford as a premium for your Florida health insurance and find out in detail about every kind of cost involved in a health insurance plan. Get to know all the possible information from the different insurers and agents you may be dealing with. This enables you to compare and then arrive at the best Florida Health Insurance Company and plan.
Ask relevant questions and clarify all your doubts. You should be able to elicit proper answers to his/her queries from the Florida health insurance company. Try and find out from each insurer the list of present plans and find out which is the most popular plan going around currently.
Choose a Florida insurance company which meets your needs and circumstances the best, since you will be dealing with the home loan company for a reasonably long period of time. It is always best to go through referrals as far choosing a reputed Florida health insurance company is concerned. A good health insurance company would have been in the business in Florida for a substantial period of time. They should be enjoying a great deal of goodwill in the market among people of Florida. Make sure that your Florida health insurance company is licensed to operate in the state. This is a good way to find out about the credentials of a Florida health insurance company.
Another good source that can help you out with your Florida health insurance plan would be some of your friends or even family members. They may have already availed health insurance plans from different health insurance companies in Florida and therefore be in a position to offer you honest advice.
Tuesday, March 27, 2007
Friday, March 23, 2007
COBRA Health Insurance Information
What is Cobra? And how do I figure this out? There is a huge challenge faced by many people today; you've just been leg go by your employer. Basically, you have no income, and no health insurance benefits. Currently, the last thing you want to do is send money to your ex-employer for health insurance benefits. However, that is most likely what you'll need to do. Are you covered? You are likely eligible to be covered by your employer's COBRA health insurance plan. You must pay the premiums yourself; you will be eligible to remain covered, without any lapse in benefits, by your previous employers plan.
What is COBRA and how do I get it? Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.
In all instances COBRA health insurance requires your previous employer to offer their health insurance coverage to covered employees, and their covered dependents. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.
Insurance professional Morgan Moran says, "COBRA health insurance provisions will apply to private employers with at least 20 employees. Individual state and local governments may also make rules regarding eligibility for COBRA health insurance. Take note that the COBRA health insurance provisions don't apply to health insurance plans sponsored by the Federal government. Also, these provisions don't apply to certain church sponsored insurance plans, or certain church-related organizations.
If you are a former employee who has elected to receive the continuation offered by COBRA health insurance agree to take over payment of the plan's premiums. The former employer has the optional right to charge an administrative fee of up to 1%. If you lose eligibility for group coverage for yourself, or your dependents, there may be another option. Automatically enrolling in COBRA health insurance may not be your best bet. You may have the right to "special enroll" (without waiting for an open enrollment season) in other available group health coverage. Before deciding to enroll in COBRA health insurance, be sure to carefully weigh all your options.
If enrolling in COBRA health insurance is your only option, then get the coverage. Continue to protect yourself, and your family until you find a new employer, or new insurance. Contact your state's Department of Insurance to learn your full rights under COBRA health insurance." In many instances you may qualify for an individual health insurance policy. If you need help on where to find more information on Individual Health Insurance coverage please visit your trusted source for health insurance at www.FloridaHealthInsuranceWeb.com
What is COBRA and how do I get it? Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.
In all instances COBRA health insurance requires your previous employer to offer their health insurance coverage to covered employees, and their covered dependents. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.
Insurance professional Morgan Moran says, "COBRA health insurance provisions will apply to private employers with at least 20 employees. Individual state and local governments may also make rules regarding eligibility for COBRA health insurance. Take note that the COBRA health insurance provisions don't apply to health insurance plans sponsored by the Federal government. Also, these provisions don't apply to certain church sponsored insurance plans, or certain church-related organizations.
If you are a former employee who has elected to receive the continuation offered by COBRA health insurance agree to take over payment of the plan's premiums. The former employer has the optional right to charge an administrative fee of up to 1%. If you lose eligibility for group coverage for yourself, or your dependents, there may be another option. Automatically enrolling in COBRA health insurance may not be your best bet. You may have the right to "special enroll" (without waiting for an open enrollment season) in other available group health coverage. Before deciding to enroll in COBRA health insurance, be sure to carefully weigh all your options.
If enrolling in COBRA health insurance is your only option, then get the coverage. Continue to protect yourself, and your family until you find a new employer, or new insurance. Contact your state's Department of Insurance to learn your full rights under COBRA health insurance." In many instances you may qualify for an individual health insurance policy. If you need help on where to find more information on Individual Health Insurance coverage please visit your trusted source for health insurance at www.FloridaHealthInsuranceWeb.com
Thursday, March 22, 2007
Wednesday, March 21, 2007
Health Insurance In Florida Is Tough To Find
Daily Dose of Florida Insurance News!
Health Insurance In Florida Tough To Find?
The state of Florida, located in the Southeastern United States, mostly constitutes a large peninsula covered by Atlantic Ocean in the east and Gulf of Mexico in the west. Florida, also known as the “Sunshine State”, has a climate which is somewhat tempered due to its close proximity to water. Severe weather is quite common in the state. Central Florida, is also known as the lightning capital of United States, due to maximum number of lightning strikes it experiences when compared to any other place in the country. Cold Fronts that bring high winds sometimes sweep through the peninsula knocking out thousands and causing damage to mobile homes. Also, the state of Florida experiences maximum tornadoes per square mile in United States, though not as high in intensity as in the Midwest or Great Plains. Severe Thunderstorms are accompanied by Hail.
Only in the recent past, the residents of Florida, fell victims to another strong dose of natural disaster, which came in the form of a horrible tornado killing nineteen and injuring dozens. Such being the case, the importance of insurance in Florida is indispensable. To gain an entry into the best hospital or have services of good physicians, a good Florida health insurance plan becomes inevitable. So, as long as one is facing an economic hardship and cannot afford the premiums, living in Florida without health insurance would be an unwise decision. People in Florida talk about insurance everyday, as the rates for both health insurance and property insurance have gone up considerably. Certain premiums have even tripled. Hence certain basic information that the residents need to bear in mind before purchasing health insurance is mentioned here.
The first priority should of-course be to cover major accidents and illnesses. Hence check out the following with the agent.
The life-time limits of the plan should be enquired. Most plans offer $3 to 5 million.
Check out if the plans focus on day to day limits for surgical fees or rooms and avoid such plans. A health insurance plan should never fix a definite amount for hospitalization.
Check if the transplants are limited to lesser dollar value.
Check for any hidden cost covering doctor visits or prescriptions. In case the amount you pay to insure these items is more than what you otherwise pay for your own doctor visits or prescriptions, see to it that you don’t spend $1000 to save $200.
The best way to choose a plan that suits you would be, check out a web portal like Florida Health Insurance web, www.FloridaHealthInsuranceWeb.com, to note down the cost of highest, middle and lowest deductibles, and write the annual cost of each plan, and check the difference between them. This will help you realize the amount charged for lower deductibles or co-pays.
Stay away from association plans as far as possible, as these plans are not native to Florida and give an opportunity for the insurance companies to take advantage of the premium increases that you pay every year. In case for personal reasons you decide on an association plan, do check with the agent as to which state governs the plan.
A discount card should not be mistaken for a health insurance. Sales person generally sells discount card assuring that on purchasing the discount card, one can do away with health insurance. But hospitals and doctors will still ask for advance payment, and most physicians insist on actual insurance for even seeing a patient.
As far as Florida dental plans are concerned, there are some valuable plans that cost less while also providing good discounts on services. Some plans even cover payment for cleanings.
Purchasing Health Insurance In Florida
The first step towards purchasing a health insurance is to find a good agent. A good agent should generally offer you with a wide range of health insurance plans from various carriers who sell insurance in Florida.
Do not arrive at an ‘on the spot’ decision regarding the plan. An agent who shows a polished brochure, and speaks for hours about the assistance plans and discounts are trained to talk smoothly. Tell the agent that you need time to think about the plan.
Thirdly, one should be practical while choosing a health insurance plan in Florida. Health Insurance is expensive in Florida, and hence chose a plan within your limitations.
The information provided in the application form should be only be the truth and if any important information is left blank in the application, by following the agent’s advice, it is the applicant who will be caught, as Florida follows a class 3 felony.
Check out for any detailed information about Florida health insurance regulations, and the plan that you wish to choose, on the internet. Do your homework before choosing the appropriate plan.
Florida, just as any other states in the US, offers state sponsored low cost programs for children, though the plans require certain income criteria to be met with. These plans are worth considering.
There are plenty of options for covering medical expenses in Florida. Like for instance, a Health Savings Account helps in setting aside pre-tax dollars every month, while Catastrophic Insurance offers a low premium that has high deductible and comes in handy when you develop a serious injury or an illness. All plans have their own merits and de-merits, that need to be differentiated and understood so as to make the right decisions for the family.
Tuesday, March 20, 2007
Finding A Florida Health Insurance Plan or Provider...
The Florida health insurance marketplace is huge. The biggest issue most Floridians have had pertains to finding a Plan or Provider that is "affordable" . This competitive market makes insurance providers busy competeting for your business. With the vast options available, how do you know what to choose?
The Florida Health Insurance Marketplace Your right to shop the market make you’re a smart consumer in the marketplace. Comparing services and rates can be very confusing, especially if the individual plans don't always factor in the same aspects of benefits. Although you truly want the widest range of offerings to choose from, finding out what is a best fit more your family can be a difficult task. Let Florida Health Insurance Web do the shopping for you. We are the experts in our trade. We offer plans of all kinds from every carrier. Florida Health Insurance Web can find the right fit for you. To bring the insurance company closer to the consumer with plans and providers, brokerage companies like www.FloridaHealthInsuranceWeb.com have answered the call. These firms collect data from every insurance provider to compile a portfolio of their best plans. When you look to them for help, they break it all down to the basics so that you can see the pros and cons more clearly. We are here to help you save money and increase benefits.
Florida Health Insurance For Individuals and Your Family We all know the cost of health insurance are still on the rise. We leave many people out in the cold. If you don't have a job that includes health benefits, you should not count yourself out of the insurance market. The health insurance options are so vast that some people who have group coverage even opt for personal plans as a move towards long-term stability. Floridians do have options. Sometimes you can’t get exactly what you want, but the bottom line is securing your families future.
Obtaining your health is a priority that is rivaled only by the heath and well being of your family. Providing health coverage for an entire family can be very expensive. However, there is no reason to pay high company premiums when you can get good coverage without straining your bank account. It takes a little more effort to find the less obvious. Everyone wants the best insurance for little cost. We like to let your clients know ahead of time that you get what you pay for.
Florida Health Insurance In many cases individuals and families feel that since we might not learn a great deal of money, that health insurance is something that you have to put on the back burner. This sort of reasoning is not only faulty, it is truly dangerous. You never know when unforeseen events arise and can change your entire life. Being caught in an emergency without Florida health insurance can compound an already trying situation with mounting bills and unanswered questions. Money that you pay each month for insurance certainly could buy that night on the town or new piece of clothing, but what sort of lasting benefit does that choice generate? The umbrella of assurance that insurance provides helps you feel very secure. There is no question that you have to make proper health coverage decisions more than optional-it is a necessary evil.
The Florida Health Insurance Plan that you need As with anything in life, there is a great deal of thought that needs to be made with health insurance. You have to choose between different deductibles, coinsurances, coverage amounts and prescription plans. The good news is that while you might have to give a little, so do insurance companies. The right plan meets you halfway so that you get the care that you need at a price you can afford. Let www.FloridaHealthInsuranceWeb.com help you find that program that fits for you.
Article Source: http://EzineArticles.com/?expert=Kirsten_Portrie
The Florida Health Insurance Marketplace Your right to shop the market make you’re a smart consumer in the marketplace. Comparing services and rates can be very confusing, especially if the individual plans don't always factor in the same aspects of benefits. Although you truly want the widest range of offerings to choose from, finding out what is a best fit more your family can be a difficult task. Let Florida Health Insurance Web do the shopping for you. We are the experts in our trade. We offer plans of all kinds from every carrier. Florida Health Insurance Web can find the right fit for you. To bring the insurance company closer to the consumer with plans and providers, brokerage companies like www.FloridaHealthInsuranceWeb.com have answered the call. These firms collect data from every insurance provider to compile a portfolio of their best plans. When you look to them for help, they break it all down to the basics so that you can see the pros and cons more clearly. We are here to help you save money and increase benefits.
Florida Health Insurance For Individuals and Your Family We all know the cost of health insurance are still on the rise. We leave many people out in the cold. If you don't have a job that includes health benefits, you should not count yourself out of the insurance market. The health insurance options are so vast that some people who have group coverage even opt for personal plans as a move towards long-term stability. Floridians do have options. Sometimes you can’t get exactly what you want, but the bottom line is securing your families future.
Obtaining your health is a priority that is rivaled only by the heath and well being of your family. Providing health coverage for an entire family can be very expensive. However, there is no reason to pay high company premiums when you can get good coverage without straining your bank account. It takes a little more effort to find the less obvious. Everyone wants the best insurance for little cost. We like to let your clients know ahead of time that you get what you pay for.
Florida Health Insurance In many cases individuals and families feel that since we might not learn a great deal of money, that health insurance is something that you have to put on the back burner. This sort of reasoning is not only faulty, it is truly dangerous. You never know when unforeseen events arise and can change your entire life. Being caught in an emergency without Florida health insurance can compound an already trying situation with mounting bills and unanswered questions. Money that you pay each month for insurance certainly could buy that night on the town or new piece of clothing, but what sort of lasting benefit does that choice generate? The umbrella of assurance that insurance provides helps you feel very secure. There is no question that you have to make proper health coverage decisions more than optional-it is a necessary evil.
The Florida Health Insurance Plan that you need As with anything in life, there is a great deal of thought that needs to be made with health insurance. You have to choose between different deductibles, coinsurances, coverage amounts and prescription plans. The good news is that while you might have to give a little, so do insurance companies. The right plan meets you halfway so that you get the care that you need at a price you can afford. Let www.FloridaHealthInsuranceWeb.com help you find that program that fits for you.
Article Source: http://EzineArticles.com/?expert=Kirsten_Portrie
Monday, March 19, 2007
Affordable Florida Health Insurance Is Out Of Control!
Great Health Insurance Article!
Affordable Florida Health Insurance Is out of control!
Do you need Affordable Florida Health Insurance? Many Floridians are turning higher deductible plans to fit the need of affordable insurance. More and More individuals are becoming self-employed. Job shortages and corporate changes are forcing many people to start their own businesses in order to have income. Many types of occupations fall into this category.
Lawyers, accountants, and doctors are a few of the many careers within the self-employed category. The exception would be if they were employed by a large corporation and accepted a salary and benefits from the corporation. Many small business owners are looking for affordable Florida health insurance. Dentists, mortgage brokers, and realtors often meet the requirements for being self-employed.
Reasons for Affordable Florida Health Insurance
Owning your own business offers you the opportunity to control your own destiny. With the freedom and flexibility to create your financial future comes the responsibility of providing your own health insurance coverage. While an employee with insurance benefits only pays a portion of the cost. The employer picks up the other percentage of the expense. With self-employed individuals, the entire cost is carried on their shoulders.
Some affordable Florida self-employed health insurance companies will arrange for small business owners to pay the premium of the employees with one payment. The total amount of the insurance is taken out of the employee's salary. This is not a group plan and does not come with group discount benefits. It only makes it easier on the employees to have the premium deducted from their salaries instead of making individual payments. This option is called list bill in Florida, the employer will take the take exemption, while still being able to offer his employees with necessary coverage.
Self-Employed Occupations
There are many different types of individuals benefiting from affordable Florida self employed health insurance include counselors, architects, and physical therapists. Freelance workers and consultants make up a large portion of the self-employed sector. They are usually in some kind of creative business such as writing, photography, designing, and translating. This differs from small business self-employed individuals since most of them are not committed to a specific location for employment.
With over eleven percent of the population without insurance, affordable Florida health insurance is in great need. There are many types of policies to consider. Before subscribing to a plan, do some comparison of benefits, exclusions, and inclusions of the policies. Self-employed health insurance is different from a group policy. With a group policy, you have the safeguard that once you are on a group plan, you must be accepted by another group plan if you change jobs.
Self-employed individuals are on a private or individual policy. They are subject to denial of coverage, pre-existing condition exclusions for a longer period than group coverage, and rate hikes based on more limited data than group policies. These factors often play a big role in the yearly increase significant, especially if the base of the self-employed policyholders shows an increase in claims for the year. It is most likely that your entire group certificate policy will have a dramatic rate increase.
In searching for affordable Florida health insurance, make sure you are comparing policies that offer the same coverage. Some important items to consider include the option to choose any doctor or hospital. Some plans only pay full benefit if you use a provider on their lists. Premiums may be considerably different from a PPO plan or a policy that allows you to choose any healthcare provider. Find a company that offers various carriers. Offering competition to your health insurance marketplace with ensure that you find the most affordable plan that has the greatest benefits.
Sunday, March 18, 2007
Saturday, March 17, 2007
Jacksonville Florida Health Insurance: Need It?
Jacksonville Florida has become home to many transplants from around the United States. The warm year round climate makes Jacksonville one of the most attractive places to reside. Many Floridians find it tough to find affordable florida health insurance once they arrive here. Some might think the best place to purchase health insurance is through a local venue. If truth were told, your best choice to shop for Jacksonville Florida health insurance is going to be on the Internet. There are so many options currently in the health insurance industry. This causes a great deal of competition in the marketplace for your business. If you just want to start looking at a variety of options—compare them side-by-side on your computer, and even apply through various web portals, the Internet is the place for you!
If you have never tried purchasing insurance online before you know that going to an independent agency or website will be your best bet.
Companies are the experts that know where to find quality Jacksonville Florida Health Insuranceor if you rather, call one of our friendly and knowledgeable insurance professionals that are available at the various web portals. Once you have filled out a rate quote form and chosen some options for the care you want, you will get a variety of quotes to choose from.
The quotes you receive will be from various carriers that enable you to have a side-by-side comparison. Our main concern is not to steer business to any one carrier; instead, we provide an environment in which insurance companies compete against each other to give you the largest possible range of choices. Then compare rates and coverage so that you can choose the cheapest health insurance Jacksonville Florida that best suits your needs.
Try a portal like www.FloridaHealthInsuranceWeb.com, they do not simply throw quotes at you and leave you to your own devices. If at any point during your process or you have any questions or concerns, they are glad to help--they can even provide local support when needed. If you're a large corporation looking for discounted group rates, ask us about our affiliation with J & K Consulting and how we can help you save money today.
If you have never tried purchasing insurance online before you know that going to an independent agency or website will be your best bet.
Companies are the experts that know where to find quality Jacksonville Florida Health Insuranceor if you rather, call one of our friendly and knowledgeable insurance professionals that are available at the various web portals. Once you have filled out a rate quote form and chosen some options for the care you want, you will get a variety of quotes to choose from.
The quotes you receive will be from various carriers that enable you to have a side-by-side comparison. Our main concern is not to steer business to any one carrier; instead, we provide an environment in which insurance companies compete against each other to give you the largest possible range of choices. Then compare rates and coverage so that you can choose the cheapest health insurance Jacksonville Florida that best suits your needs.
Try a portal like www.FloridaHealthInsuranceWeb.com, they do not simply throw quotes at you and leave you to your own devices. If at any point during your process or you have any questions or concerns, they are glad to help--they can even provide local support when needed. If you're a large corporation looking for discounted group rates, ask us about our affiliation with J & K Consulting and how we can help you save money today.
Florida Health Insurance News Reports For Floridians
Online Insurance Agency, Florida Health Insurance Web, recently reports that more than two million Floridians are going with out insurance. That is nearly 20% of the states populas. Health related bankruptcy is out of control- it is the leading cause of bankruptcy in Florida and the United States. Every Floridian without health insurance coverage is just one illness away from financial ruin. Florida Health Insurance Web, http://www.floridahealthinsuranceweb.com/, advises consulting an online source such as its service, before choosing any health insurance policy.
In the past, applying for health insurance had been an eye opening experience for many. The difficulty obtaining affordable health insurance rates in the sunshine state has always been hard, but now it has reached epic proportions. Florida residents may experience any number of insurance-related problems, including claim denials, sky-high premiums, cancellations, or refusals to grant or renew their policies. Florida's Governor Crist vows to fix the problem and bring affordable insurance to all Florida's residents. Democrats are pushing a health-care-reform legislation during the current legislative session. They are sponsoring a bill that would ask voters in 2008 to insert a guarantee in the constitution that all children in Florida would have access to health insurance by July, 2010.
At a recent insurance conference in Orlando, one Florida health insurance agent, Margaret Margolas explained the process, "Before issuing a health insurance policy in Florida, insurance companies offering individual health insurance policies evaluate certain information about you to determine how likely you are to have a claim." This is called "underwriting."
She spoke to hundreds of business owners about health care for the uninsured and individual company's role in delivering that health care. Margolas said, "Individuals looking for health insurance usually cannot find policies to cover past health problems." How does someone with a pre-existing condition get coverage? Hiring a health insurance professional "consultant" may help. These consultants usually work at no cost to consumers; their fees are paid by the health care provider.
For any health policy, a company might consider age, occupation, current health status and medical history. They can also look at lifestyle, and habits to see what type of health risks a person may have. If individual risk factors indicate that a claim is likely, the company may charge more for the policy or even worse, refuse coverage. Before applying for an individual health insurance policy, lorida Health Insurance Web advises talking to a qualified health insurance consultant for advice on which policy to choose.
Most individual health insurance companies in Florida have certain clauses regarding risk factors and pre-existing conditions. Limits on risk and "pre-existing conditions" are a standard part of most health plans. These limits ensure that benefits are paid only for conditions that occur naturally and only after your health coverage becomes effective. Paying only for approved services and covered conditions helps control healthcare costs and prevent possible insurance abuse.
The legal aspect of all this is "failure to disclose pre-existing conditions could jeopardize future claims" or invalidate the policy. Individual health insurance companies may completely exclude coverage for pre-existing conditions by attaching an "exclusion rider" to the policy.
If an applicant lists their pre-existing conditions on the application and the company issues coverage without attaching an exclusion rider, the company must begin covering the pre-existing conditions when the policy's pre-existing waiting period expires. Pre-existing condition waiting periods can be a maximum of two years on individual policies. Exclusion riders can be in-force indefinitely.
In Florida, and in other states like Texas, if a person moves from a group, government, or church health plan to an individual health insurance policy, they will not be subject to a new pre-existing condition waiting periods if they had 18 months of prior coverage, with no more than 63 days lapse in coverage.
What else can someone do to get individual health plans? Corporations are able to purchase health insurance that cover pre-existing conditions for their employees so many CPA's recommend using S-corporations status instead of individual. Simply create an S-Corp online from a state like Nevada or Delaware, ($350) and then apply for insurance under the corporation.
Buying insurance without an S-Corp means more limitations to your policy; chances are the end result will be some sort of "Cash for Services" Plan, a PPO, or HMO plan. These plans are the most typical.
Margolas says, "One word of advice when it comes to applying for an individual health insurance policy: applicants should be forthcoming and honestly answer all questions about medical conditions. Withholding information about an illness or medication is bad, the health insurance company may deny subsequent claims."
Ask questions, especially if the wording of the policy is difficult. Be sure about specifics of the health insurance coverage. Don't be afraid to ask for clarification about policy details. For more help, have a Florida health insurance consultant give you an explanation. Try to get answers in writing.
If a person loses health insurance coverage from their job, they may opt to continue coverage with insurance called COBRA. COBRA stands for (Consolidated Omnibus Budget Reconciliation Act). COBRA is a law that makes it mandatory for an employer to provide the option of retaining membership in their health insurance plan. However applicants will have to pay the entire monthly premium part which was paid by the company earlier. Most people are surprised at the high cost of the COBRA premium; which may run up to 500$ a month.
If none of the above ways to reduce insurance costs work, then the only way is to go for standard individual health insurance policy. As mentioned earlier they are usually costly, but online websites can help Floridian's weed through the mounds of policies and select the best price and coverage available.
About Florida Health Insurance WebFlorida Health Insurance Web is an online source of health insurance agents and insurance carriers covering individuals in the state of Florida. Individuals can get insurance quotes, search rates online by city, read current insurance news and events. For a directory and archive of Florida Health Insurance Consultants, a listing of the best rates and free quotes, please visit http://www.floridahealthinsuranceweb.com/.
In the past, applying for health insurance had been an eye opening experience for many. The difficulty obtaining affordable health insurance rates in the sunshine state has always been hard, but now it has reached epic proportions. Florida residents may experience any number of insurance-related problems, including claim denials, sky-high premiums, cancellations, or refusals to grant or renew their policies. Florida's Governor Crist vows to fix the problem and bring affordable insurance to all Florida's residents. Democrats are pushing a health-care-reform legislation during the current legislative session. They are sponsoring a bill that would ask voters in 2008 to insert a guarantee in the constitution that all children in Florida would have access to health insurance by July, 2010.
At a recent insurance conference in Orlando, one Florida health insurance agent, Margaret Margolas explained the process, "Before issuing a health insurance policy in Florida, insurance companies offering individual health insurance policies evaluate certain information about you to determine how likely you are to have a claim." This is called "underwriting."
She spoke to hundreds of business owners about health care for the uninsured and individual company's role in delivering that health care. Margolas said, "Individuals looking for health insurance usually cannot find policies to cover past health problems." How does someone with a pre-existing condition get coverage? Hiring a health insurance professional "consultant" may help. These consultants usually work at no cost to consumers; their fees are paid by the health care provider.
For any health policy, a company might consider age, occupation, current health status and medical history. They can also look at lifestyle, and habits to see what type of health risks a person may have. If individual risk factors indicate that a claim is likely, the company may charge more for the policy or even worse, refuse coverage. Before applying for an individual health insurance policy, lorida Health Insurance Web advises talking to a qualified health insurance consultant for advice on which policy to choose.
Most individual health insurance companies in Florida have certain clauses regarding risk factors and pre-existing conditions. Limits on risk and "pre-existing conditions" are a standard part of most health plans. These limits ensure that benefits are paid only for conditions that occur naturally and only after your health coverage becomes effective. Paying only for approved services and covered conditions helps control healthcare costs and prevent possible insurance abuse.
The legal aspect of all this is "failure to disclose pre-existing conditions could jeopardize future claims" or invalidate the policy. Individual health insurance companies may completely exclude coverage for pre-existing conditions by attaching an "exclusion rider" to the policy.
If an applicant lists their pre-existing conditions on the application and the company issues coverage without attaching an exclusion rider, the company must begin covering the pre-existing conditions when the policy's pre-existing waiting period expires. Pre-existing condition waiting periods can be a maximum of two years on individual policies. Exclusion riders can be in-force indefinitely.
In Florida, and in other states like Texas, if a person moves from a group, government, or church health plan to an individual health insurance policy, they will not be subject to a new pre-existing condition waiting periods if they had 18 months of prior coverage, with no more than 63 days lapse in coverage.
What else can someone do to get individual health plans? Corporations are able to purchase health insurance that cover pre-existing conditions for their employees so many CPA's recommend using S-corporations status instead of individual. Simply create an S-Corp online from a state like Nevada or Delaware, ($350) and then apply for insurance under the corporation.
Buying insurance without an S-Corp means more limitations to your policy; chances are the end result will be some sort of "Cash for Services" Plan, a PPO, or HMO plan. These plans are the most typical.
Margolas says, "One word of advice when it comes to applying for an individual health insurance policy: applicants should be forthcoming and honestly answer all questions about medical conditions. Withholding information about an illness or medication is bad, the health insurance company may deny subsequent claims."
Ask questions, especially if the wording of the policy is difficult. Be sure about specifics of the health insurance coverage. Don't be afraid to ask for clarification about policy details. For more help, have a Florida health insurance consultant give you an explanation. Try to get answers in writing.
If a person loses health insurance coverage from their job, they may opt to continue coverage with insurance called COBRA. COBRA stands for (Consolidated Omnibus Budget Reconciliation Act). COBRA is a law that makes it mandatory for an employer to provide the option of retaining membership in their health insurance plan. However applicants will have to pay the entire monthly premium part which was paid by the company earlier. Most people are surprised at the high cost of the COBRA premium; which may run up to 500$ a month.
If none of the above ways to reduce insurance costs work, then the only way is to go for standard individual health insurance policy. As mentioned earlier they are usually costly, but online websites can help Floridian's weed through the mounds of policies and select the best price and coverage available.
About Florida Health Insurance WebFlorida Health Insurance Web is an online source of health insurance agents and insurance carriers covering individuals in the state of Florida. Individuals can get insurance quotes, search rates online by city, read current insurance news and events. For a directory and archive of Florida Health Insurance Consultants, a listing of the best rates and free quotes, please visit http://www.floridahealthinsuranceweb.com/.
Cobra: What Can I Do?
Are you having trouble figuring out what COBRA is? You are not the only one out there. Many individuals today are having the same issue; you've just been leg go by your employer. Basically, you have no income, and no health insurance benefits. Currently, the last thing you want to do is send money to your ex-employer for health insurance benefits. However, that is most likely what you'll need to do. Are you covered? You are likely eligible to be covered by your employer's COBRA health insurance plan. You must pay the premiums yourself; you will be eligible to remain covered, without any lapse in benefits, by your previous employers plan.
What is COBRA and how do I get it? Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.
In all instances COBRA health insurance requires your previous employer to offer their health insurance coverage to covered employees, and their covered dependents. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.
Insurance professional Morgan Moran says, "COBRA health insurance provisions will apply to private employers with at least 20 employees. Individual state and local governments may also make rules regarding eligibility for COBRA health insurance. Take note that the COBRA health insurance provisions don't apply to health insurance plans sponsored by the Federal government. Also, these provisions don't apply to certain church sponsored insurance plans, or certain church-related organizations.
If you are a former employee who has elected to receive the continuation offered by COBRA health insurance agree to take over payment of the plan's premiums. The former employer has the optional right to charge an administrative fee of up to 1%. If you lose eligibility for group coverage for yourself, or your dependents, there may be another option. Automatically enrolling in COBRA health insurance may not be your best bet. You may have the right to "special enroll" (without waiting for an open enrollment season) in other available group health coverage. Before deciding to enroll in COBRA health insurance, be sure to carefully weigh all your options.
If enrolling in COBRA health insuraWhat is Cobra? And how do I figure this out? There is a huge challenge faced by many people today; you've just been leg go by your employer. Basically, you have no income, and no health insurance benefits. Currently, the last thing you want to do is send money to your ex-employer for health insurance benefits. However, that is most likely what you'll need to do. Are you covered? You are likely eligible to be covered by your employer's COBRA health insurance plan. You must pay the premiums yourself; you will be eligible to remain covered, without any lapse in benefits, by your previous employers plan.
What is COBRA and how do I get it? Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.
In all instances COBRA health insurance requires your previous employer to offer their health insurance coverage to covered employees, and their covered dependents. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.
Insurance professional Morgan Moran says, "COBRA health insurance provisions will apply to private employers with at least 20 employees. Individual state and local governments may also make rules regarding eligibility for COBRA health insurance. Take note that the COBRA health insurance provisions don't apply to health insurance plans sponsored by the Federal government. Also, these provisions don't apply to certain church sponsored insurance plans, or certain church-related organizations.
If you are a former employee who has elected to receive the continuation offered by COBRA health insurance agree to take over payment of the plan's premiums. The former employer has the optional right to charge an administrative fee of up to 1%. If you lose eligibility for group coverage for yourself, or your dependents, there may be another option. Automatically enrolling in COBRA health insurance may not be your best bet. You may have the right to "special enroll" (without waiting for an open enrollment season) in other available group health coverage. Before deciding to enroll in COBRA health insurance, be sure to carefully weigh all your options.
If enrolling in COBRA health insurance is your only option, then get the coverage. Continue to protect yourself, and your family until you find a new employer, or new insurance. Contact your state's Department of Insurance to learn your full rights under COBRA health insurance." In many instances you may qualify for an individual health insurance policy. If you need help on where to find more information on Individual Health Insurance coverage please visit your trusted source for health insurance at www.FloridaHealthInsuranceWeb.com
Florida Health Insurance Consultants Are Here!
COBRA Health Insurance What Is It?
Morgan Moran Insurance Broker!
What is COBRA and how do I get it? Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.
In all instances COBRA health insurance requires your previous employer to offer their health insurance coverage to covered employees, and their covered dependents. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.
Insurance professional Morgan Moran says, "COBRA health insurance provisions will apply to private employers with at least 20 employees. Individual state and local governments may also make rules regarding eligibility for COBRA health insurance. Take note that the COBRA health insurance provisions don't apply to health insurance plans sponsored by the Federal government. Also, these provisions don't apply to certain church sponsored insurance plans, or certain church-related organizations.
If you are a former employee who has elected to receive the continuation offered by COBRA health insurance agree to take over payment of the plan's premiums. The former employer has the optional right to charge an administrative fee of up to 1%. If you lose eligibility for group coverage for yourself, or your dependents, there may be another option. Automatically enrolling in COBRA health insurance may not be your best bet. You may have the right to "special enroll" (without waiting for an open enrollment season) in other available group health coverage. Before deciding to enroll in COBRA health insurance, be sure to carefully weigh all your options.
If enrolling in COBRA health insuraWhat is Cobra? And how do I figure this out? There is a huge challenge faced by many people today; you've just been leg go by your employer. Basically, you have no income, and no health insurance benefits. Currently, the last thing you want to do is send money to your ex-employer for health insurance benefits. However, that is most likely what you'll need to do. Are you covered? You are likely eligible to be covered by your employer's COBRA health insurance plan. You must pay the premiums yourself; you will be eligible to remain covered, without any lapse in benefits, by your previous employers plan.
What is COBRA and how do I get it? Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.
In all instances COBRA health insurance requires your previous employer to offer their health insurance coverage to covered employees, and their covered dependents. Slough, there are certain qualifying conditions, this will most likely be a good option if you are not a healthy individual. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.
Insurance professional Morgan Moran says, "COBRA health insurance provisions will apply to private employers with at least 20 employees. Individual state and local governments may also make rules regarding eligibility for COBRA health insurance. Take note that the COBRA health insurance provisions don't apply to health insurance plans sponsored by the Federal government. Also, these provisions don't apply to certain church sponsored insurance plans, or certain church-related organizations.
If you are a former employee who has elected to receive the continuation offered by COBRA health insurance agree to take over payment of the plan's premiums. The former employer has the optional right to charge an administrative fee of up to 1%. If you lose eligibility for group coverage for yourself, or your dependents, there may be another option. Automatically enrolling in COBRA health insurance may not be your best bet. You may have the right to "special enroll" (without waiting for an open enrollment season) in other available group health coverage. Before deciding to enroll in COBRA health insurance, be sure to carefully weigh all your options.
If enrolling in COBRA health insurance is your only option, then get the coverage. Continue to protect yourself, and your family until you find a new employer, or new insurance. Contact your state's Department of Insurance to learn your full rights under COBRA health insurance." In many instances you may qualify for an individual health insurance policy. If you need help on where to find more information on Individual Health Insurance coverage please visit your trusted source for health insurance at www.FloridaHealthInsuranceWeb.com
Florida Health Insurance Consultants Are Here!
COBRA Health Insurance What Is It?
Morgan Moran Insurance Broker!
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