The Healthy Bee

Florida residents who can afford health insurance pay an average of $11,480 per year for family coverage, which is about what the average minimum-wage earner brings home. Premiums are up 87% according to Kaiser Family Foundation. The days of “low-cost” health insurance are all but gone unless you have help from a professional insurance consultant.

The cost of caring for “disease” continues to rise faster than inflation according to an article this month in Newsweek magazine. It said “over 47 million Americans don’t have health insurance at all”. Those with low-cost health insurance usually get these from employers, but with costs rising, it is obvious that the health insurance situation in Florida is getting worse.

Taking care of employees is the primary concern of a good employer. But that has been perceived as “expensive” by some companies as it means providing the employee with vacations, bonuses, incentive pay, and of course, health insurance coverage. In the future, Florida businesses may be able to offer low-cost health insurance to residents who are willing to make a few changes in lifestyle.

The New England Journal of Medicine published a major study on health insurance recently that said low cost insurance rates may be made available to those willing to go through a certified “health risk assessment”. These health risk managers look at your lifestyle, and your current state of health, and certify that the person is “healthy” and a “low-risk” which can qualify the applicant for lower insurance rates. The only other way to get low-cost health insurance in Florida is to get it from your employer as part of their group health insurance plan.

There are many health insurance consultants out there who can help Floridians find low-cost insurance, such as Florida Health Insurance Web - www.FloridaHealthInsuranceWeb.com - insurance consultant, Morgan Moran said, “Change a few things about your lifestyle, and lower rates could be available”. The insurance industry believes, most people would change a few things to get lower insurance rates, and assure living a longer happier life. These changes may include a better diet, more exercise, and less high risk behavior like “skydiving” or “bungee jumping”. Until now, insurance plans rarely took behavior into account.

Many Floridians are looking for a quick fix. If they can take a pill or have a stint plugged into their heart they would, rather than change their lifestyle, after all, it does sound easier. The New England Journal confirmed what other research showed— that angioplasties and stints don’t prolong life and don’t even prevent heart attacks, yet $30 billion was spent on those last year. Mutual of Omaha found that almost 76% percent of people eligible for angioplasty or heart bypass surgery were able to “safely avoid it by making the comprehensive lifestyle changes”, saving almost $30,000 per person. It is plain to see that changing lifestyle is more cost effective than surgery.

Low-Cost Insurance Consultation

In an effort to find affordable health insurance rates, many are turning to health insurance consultants for help. In a phone interview, consultant Morgan Moran said, “The best way to find affordable, low-cost health insurance is to have an employer-sponsored group health insurance plan.” Group health insurance plans are the most affordable, low cost health insurance plans out there, aside from state-sponsored health insurance plans. If you can obtain health insurance from your employer, you will pay even less for your health insurance than you would if you purchased a group health insurance plan on your own.

Most employers have certain requirements an employee must meet before he or she can be a part of the employer-sponsored group health insurance plan. These requirements range from the number of hours the employee works, to the employee’s status, i.e., whether the employee works full-time or part-time. Employers sometimes have time requirements as well. This means the employee must be with the company for a certain amount of time before he or she is considered eligible for the employer-sponsored group health insurance plan.

Employer-sponsored group health insurance plans are usually the most affordable, low cost health insurance plans for a variety of reasons. If you have an employer-sponsored group health insurance plan, the health insurance premiums are either divided between you and your employer, or paid completely by your employer. This means one of two things. Either you are required to pay half of the health insurance premiums plus a low cost co-payment or you are only required to pay an affordable co-payment.

Employer-sponsored group health insurance plans like this have become even more affordable and low cost when you factor in your spouse and children. Rather than purchase individual health insurance policies for each of your family members, or pay out-of-pocket for health care costs, you can add your spouse and your children to your employer-sponsored group health insurance plan.

Rates on health insurance policies change daily, and vary from carrier to carrier so it’s a good idea to speak to a consultant like Moran. Their fees are paid by the carrier without passing the cost along to the consumer. Find out more at www.FloridaHealthInsuranceWeb.com





By: Zane Durant

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Buying Florida health insurance may or may not be in your stars. But with that in mind, if you live in the state there is a chance that you will have to make a purchase sometime in the future. The majority of people who shop for Florida health insurance do so because they do not receive benefits through their employer, or they are self employed. Of course, some companies also shop for group health insurance policies.

If you need to get a Florida health insurance quote there are several ways of getting started. Most people have found that the best way of doing this is by using the internet. This allows them to avoid phone contact with agents or brokers, and also gives them the chance to work at their own speed. Obtaining Florida health insurance quotes this way is as easy as it gets.

Of course, your other option is to directly contact particular companies that offer policies that may be of interest to you. While this is fine, it is going to take you much longer and you may not get as good a price. But all in all, there is nothing wrong with shopping for Florida health insurance in this manner.

There are many companies that offer Florida health insurance, and each one has different plans and options for you to choose from. The key to getting what you want is making sure that you consider all of the plans in front of you. Even if you have found a nice looking policy, you owe it to yourself to continue shopping until you have a few comparisons set up. This will ensure you that the plan you choose is the best of the best.

Florida Health Insurance: Carefully Comparing Plans

When shopping for Florida health insurance the details presented may scare you away. But before you turn and run, you should remember that buying Florida health insurance is not as hard as it may sound. There are a lot of details to consider, but if you simply work at your own pace these details will never have a negative effect on you. The most important thing to remember is that comparing Florida health insurance plans is an absolute must.

There are a few things that you will learn when comparing Florida health insurance. First off, you will be able to see right off the bat the prices that are available to you. If cost is a major factor you will learn all that you need to know by simply checking out a few prices before you even get started.

In addition to the price, when comparing plans you will want to consider the details of each one. For instance, things such as your deductible, out of pocket limit and coinsurance are quite important. These are the details that will cover your medical costs as you incur them. So obviously, the more that you know about each policy the better off you will be.

Carefully comparing Florida health insurance plans will give you the knowledge that you need to make a financially sound decision. It is in your best interest to compare several plans, and then decide which one will best suit your lifestyle. The bottom line is that you will have the chance to compare several plans before buying. Although it may take time to compile these quotes and plan details, if you want to make the best decision it is something that you have to do.

Florida Health Insurance: Applying Online

Are you actively shopping for Florida health insurance? Are you finding this to be a difficult process? If you answered yes to both of these questions you are more than likely forgetting about how the internet can help your situation. Using the internet to apply for Florida health insurance will make everything easier on you. Not only will you have the ability to obtain information on several policies, but when you apply online you can skip over a lot of the time consuming details that go along with using the phone or snail mail.

The main reason that a lot of people do not apply for Florida health insurance online is that they are not sure how this process works. Luckily, there is nothing to this. There are actually two ways that you can apply for Florida health insurance online.

First off, you can visit each insurance company’s website and use their application to apply for the best plan for you. This is a good idea if you know what company you want to buy from, and already have information on more than one.

On the other side of things, you can apply for Florida health insurance at a “catch all” site. Generally speaking, when you use one of these services you will have the ability to receive quotes from more than one company without having to jump from site to site. A lot of people prefer a service like this because it allows them to more easily shop and apply for Florida health insurance policies.

So if you need to buy Florida health insurance you should think about what the internet has to offer. Applying for a policy online will allow you to cut the time it will take to receive an answer; which is always a good thing when it comes to getting a health insurance policy in place.

Florida Health Insurance Consultants can help you!

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By: Morgan Q. Moran

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