PPACA Essential Benefits

Posted on: June 20th, 2011 by Bill

PPACA Essential Benefits…What are they?

Essential benefits are those benefits for which the health insurance companies are NOT allowed to impose any lifetime OR annual limits. This only applies to health insurance plans issued on or after September 23, 2010. The following list is neither all inclusive nor is there any Interim Final Rule specifically defining the Essential Health Benefits.So it could change again.

PPACA Essential Benefits:

  • Hospitalization
  • Emergency Services
  • Preventative and Wellness Services
  • Prescription Drugs
  • Lab Services
  • Mental Health
  • Rehabilitative and Habilitative Services and Devices

How will this affect you? Your current health plan should be removing lifetime and annual limits on in and out of network services for the following services:

  • Allergies
  • Urgent Care
  • Ambulance Services
  • Transplant Services
  • Substance Use Disorders
  • Skilled Nursing
  • Diabetic Supplies
  • Hospitalization
  • Diagnostics – Labs, Xrays, CT Scans, MRI’s
  • Mental Health Services
  • Outpatient Services
  • Prescription drugs
  • Preventative Care

Get some health insurance quotes and side by side comparisons to find the plans that fit you best.

Posted in Florida Health Insurance, Ft. Lauderdale Health Insurance, Health Insurance, Miami Health Insurance

_Healthcare Reform

Posted on: August 4th, 2009 by Bill


This video on Healthcare Reform is definitely worth watching.

It might take a couple of minutes to load. You can also follow this link http://www.cnbc.com/id/15840232?play=1&video=1199148604

Posted in Aetna, Blue Cross Blue Shield, Florida Health Insurance, Ft. Lauderdale Health Insurance, Golden Rule, Health Insurance, Health Savings Accounts, Humana, In The News, Medicare, Miami Health Insurance, Preferred Medical Plan, United Healthcare, Vista Healthplans

Miami Dade Blue by Blue Cross Blue Shield

Posted on: June 2nd, 2009 by Bill

Blue Cross Blue Shield of Florida (BCBSF) in partnership with Miami-Dade County has introduced a new health insurance product called Miami-Dade Blue. Miami-Dade Blue has been specifically designed to meet the needs of individuals, families searching for family or individual health insurance in Miami. Miami-Dade Blue is also available for groups of 2-50 employees seeking small group health insurance in Miami. More about Miami-Dade Blue

Posted in Blue Cross Blue Shield, Florida Health Insurance, Health Insurance, Miami Health Insurance

Medigap and Medicare in Florida

Posted on: May 27th, 2009 by Bill

Since Florida is such popular destination for seniors it stands to reason that there would be a lot of options for Medicare Advantage and Medicare Supplement insurance in Florida. That being the case there are a lot of choices. AARP / United Healthcare Medicare supplement plans are among the best, since the plans themselves (A,B,C, etc.) are standardized it really comes down to the price and of course customer service.

There are also a multitude of Medicare Advantage plans available. These typically have no premium and the agents that market and sell them can be very aggressive. It is important that you evaluate each option and ask questions until you completely understand what you are signing up for.

Posted in Florida Health Insurance, Ft. Lauderdale Health Insurance, Health Insurance, Medicare, Miami Health Insurance

Blue Cross Blue Shield

Posted on: May 27th, 2009 by Bill

Blue Cross Blue Shield of Florida, Florida’s top carrier offers several types of plans to fit your needs. Although some may be too expensive they have several very affordable plans. Blue Cross Blue Shield HSA’s – Health Savings Accounts have some of the lowest rates I have seen for Florida health insurance plans.

Posted in Blue Cross Blue Shield, Florida Health Insurance, Ft. Lauderdale Health Insurance, Health Insurance, Health Savings Accounts, Miami Health Insurance