florida life quotes

What the House Healthcare Bill Means for Florida Health Insurance

A few days ago the House of Represenatives released there own version of Healthcare reform. The bill is close to 1900 pages long and would take at least a few hours to understand every little provision.   So we went ahead and did the work and condescend it to a few key points.  What does this mean for Florida Health Insurance?

PUBLC OPTION:

*Only sold in exchange
*Abide by all rules private carriers must follow
*Offer Basic, Enhanced and Premium plans
*Geographically adjust premiums in same manner as private plans
*Rates must fully finance costs
*No bailout provision – cannot get additional Federal funding to pay claims
*2 billion to fund private option
*Medicare docs are in network unless they opt out
*No punishment for docs who opt out
*Annual enrollment period where docs can opt in or out

Coverage Sold in the Exchange
*No pre-ex exclusions
*2:1 max rating based on age
*Area rating allowed as specified by the Commissioner
*Individual premiums “uniform” with family premiums
*Dependent age to 27
*Carrier’s rates must be approved before allowed into the exchange

As it currently stands there is no definitive answer on how this will effect Florida Health Insurance.

As always we will keep you posted on the public reform as it relates to Florida Health Insurance.

To learn more about Florida health insuranceFlorida health insurance quotesFlorida life insurance,Florida life insurance quotesFlorida group health insurance visit Floridahealthcareinsurance.com.

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Friday, October 30th, 2009 Blog Posts Comments Off on What the House Healthcare Bill Means for Florida Health Insurance

An Analogy for the company’s we choose to work with!

Earlier this week I was working with a client talking about Florida Life Insurance. The question came up as to why our agency works with some companies which may be more expensive then others.

This was my response:

Why do people buy so many Toyota’s and no the cheaper model that is out there?  Would it be because it has more features, seems to have fewer problems, offer the peace of mind and security that you want from something that protects your loved ones when they need it most.  What about good service and low mainteance?  And what if there is a problem.  Don’t you want a company you know will stand behind their product and whatever they need to do what is best for the consumer.  A car company that gives you the most bang for your buck without spending more than you need to.   Well that is exactly the guidelines we look for when we choose the companies we choose.

Not always the cheapest but the most bang for your buck.  The company we know will do what is right for their clients and the companies we can get things done with if things need to get done.

In other words, for the companies I was discussing with this client, the more expensive term company also provided more flexibility to both their term coverage and Return of Premium term products that other companies do not.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida life  insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Friday, September 4th, 2009 Blog Posts Comments Off on An Analogy for the company’s we choose to work with!