Florida Medical and Health Insurance

South Florida Health Insurance

admin — Sat, 26 Sep 2009 21:48:30 +0000

South Florida COBRA health insurance is important for anyone in the state to know about if they are in danger of losing their FL healthcare insurance in the near future or have recently lost it.

Read on to learn about COBRA health insurance options in FL. Should you take the Florida COBRA health plan offer? What alternatives to COBRA insurance are there? Implementing Florida COBRA health insurance will keep you and your family protected from the potential financial ruin that high health care costs can turn into but there may also me some cheaper alternatives to COBRA if you are fairly healthy.

Before you lose your health coverage, take a look at this coverage and learn just what FL COBRA Health Insurance is all about. Also, learn how to decide if you should take your COBRA offer or if you should purchase a Florida individual health insurance plan that can often be much cheaper (but with different requirements). It just may be the best news you have heard lately.

Worldwide Medical Insurance

admin — Sat, 26 Sep 2009 21:41:33 +0000

When you’re planning a trip abroad, you want to make sure you’ve remembered everything and that includes health insurance. Check out what Assurant Health’s Worldwide Medical Insurance can offer you to assure a safe stay and healthy return.

Florida Self Employed Health Insurance

admin — Sat, 26 Sep 2009 21:36:59 +0000

If you’re self-employed or not covered by your employer, an individual health insurance plan provides protection and peace of mind for you and your family. High deductible plans are available with Health Savings Accounts: tax-advantaged savings that you can use for your medical expenses.

Small Business Health Insurance Florida

admin — Sat, 26 Sep 2009 21:27:09 +0000

Assurant Health’s Small Business health insurance portfolio provides more than just protection, it provides peace of mind. Give your employees that peace of mind by choosing a health insurance carrier with the commitment and financial resources to be there when you need them.

Flexibility to create a plan to fit the unique needs of your business.

First dollar benefits for preventive medical services
Your choice of doctors and hospitals from extensive networks
No referrals necessary to see a specialist
Independent advocacy service to help you and your employees navigate the healthcare system and identify money-saving options
Tax advantage HSA’s and HRA plans*
Worldwide emergency coverage

Discount Medical Insurance

admin — Sat, 26 Sep 2009 21:06:13 +0000

Discount Cards provide you with a great way to save money on your dental, vision, and/or chiropractic needs. Depending on your Discount Card company, you can enjoy discounts of up to 60% with a national network of leading service providers.

Getting your Discount card is easy. Simply fill out an application and you will receive your card in the mail soon after. When it’s time to use your card, simply locate a service provider in the network, present your card to the provider at the time of service and get instant discounts.

Dental Medical Insurance

admin — Fri, 25 Sep 2009 04:56:14 +0000

How does dental insurance work?

Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or “premium”), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.

Medical Savings Insurance

admin — Fri, 25 Sep 2009 04:55:09 +0000

What is an HSA?

“HSA” stands for Health Savings Account. HSAs allow consumers to pay for qualified medical expenses with pre-tax dollars—meaning income-tax free—and save for retirement on a tax-deferred basis.

An HSA is tax-favored savings account that is used in conjunction with a high-deductible HSA-compatible health insurance plan to make healthcare more affordable and to save for retirement.

HSAs are similar to individual retirement accounts (IRAs), but even better:

Pre-tax money is deposited each year into an HSA and can be easily withdrawn at any time with no penalty or taxes to pay for qualified medical expenses. Withdrawals can also be made for non-medical purposes, but will be taxed as normal income and are subject to a 10 percent penalty if done prior to age 65.
Any HSA funds not used each year remain in the account, and earn interest tax-free to supplement medical expenses at any time in the future.
Like an IRA, the account belongs to you, not your employer. But unlike an IRA, your employer CAN contribute to your HSA.

Florida Student Health Insurance

admin — Fri, 25 Sep 2009 04:53:33 +0000

How can college students meet their needs with a Student insurance plan?

No matter what your specific needs, a Student health insurance plan can provide you with a valuable health insurance solution. Here are some examples illustrating how a Student health plan (e.g. the Student Select plan offered by Fortis Health) might help you:

Situation #1 (College-Sponsored Plan too “Bare-Bones”):

Jack is heading off to college in the fall. At college, he’ll be outside of the HMO network region of his parents’ health insurance plan, but Jack’s parents want to make sure he has adequate health coverage. They did some research and found that the health insurance plan offered through the college is too “bare bones,” with lots of limitations on coverage.

Jack’s Solution:

Jack’s situation is ideal for Student Select. It was designed specifically for students who need greater coverage at an affordable rate while attending college. The Student Select plan offers a choice of deductibles, and because it is not an HMO or PPO plan, Jack can pick the doctor or hospital he wishes to visit. The plan allows for up to $1 million in protection for eligible expenses, including in-hospital and outpatient services, emergency care and surgery.

***

Situation #2 (Can’t Afford a Traditional Individual Health Insurance Plan):

Amy will be attending college next semester. Her school requires that she have some type of health insurance prior to the start of school. However, Amy doesn’t have health insurance through her parents. And, she just can’t afford the cost of a traditional individual health insurance plan. She can’t risk going without coverage, but she needs a plan that will fit her tight budget.

Amy’s Solution:

In many cases, Student Select costs less than a traditional individual health insurance plan. It was designed specifically for students who need quality coverage at an affordable rate while attending college.

***

Situation #3 (Graduate Student No Longer Eligible for Parents’ Plan):

Bob is in graduate school and is about to turn 24-years old. He just found out that once he does, he will no longer be covered under his parents’ health plan. His parents are worried about him not having health insurance.

Bob’s Solution:

Student Select is ideal for Bob’s situation. The plan is available to full-time graduate students and coverage can be obtained as early as the next day. Enrollment is simple and premiums are affordable. Best of all, Student Select is guaranteed renewable. This means that, provided that Bob attended school full time for 31 days after the policy effective date, Bob can keep the plan as long as he needs it, as long as premiums are paid. This is important after graduation while looking for a job.

Temporary Medical Insurance

admin — Fri, 25 Sep 2009 04:52:06 +0000

What is short-term health insurance?

Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.

Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Short-term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.

Florida Health Insurance Children and Family

admin — Fri, 25 Sep 2009 04:49:41 +0000

Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available.