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Aetna continues to be one of the leading health insurance carriers for Florida small group and individual markets. Aetna health insurance plans offer a great balance between premium, coverage, and underwriting.
Starting in July of 2009 there are brand new Aetna small group insurance plans at very reasonable prices.
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.
These plans will be available as of January 5, 2009. Cover Florida is a partnership between the State of Florida and 6 private health insurance companies. No tax dollars were required to create the Cover Florida health insurance plans, so i would expect the eligibility requirements will be as stringent as other programs like Florida Kidcare. The objective is to make affordable health insurance available to the 3.8 million uninsured Floridians.
Of course affordable is a relative term and from what I have seen, on their website, these plans are quite expensive for what they offer. So, if you can make it through underwriting for an individual or family plan then these plans are not for you.
You can read the rest of the article here: Cover Florida Health Insurance
Brief:
Health insurance premiums are rising steadily, and as they do more employers are finding the increased cost prohibited. This article uses the PGA as an example.
Their dilemma was how to provide the caddies with health insurance. Adding them to the group plan would have created an administrative nightmare, and would cost and estimated $1.4 million a year.
The solution was to give each caddy a predetermined amount of cash and let them buy their health care coverage from a health insurance company offering individual health insurance policies.
Pros:
Con:
You can read the full article here.
Brief:
This is a rather lengthy (and kind of boring) article on the effects state regulations have on health insurance premiums.
Fact is that increased legislation results in increased health insurance premiums.
States that require health insurance to be guaranteed issue have health insurance premiums that are twice as much as those states that don’t. This means that healthy people are subsidizing the unhealthy people.
See for yourself this link will take you to the New York Department of Insurance website.
Get Healthy and Stay Healthy if you want lower health insurance premiums.
You can read the full article here.
“Even Doctors Admit Something Must Be Done About Health Care” – The Oakland Press: Opinions
Brief:
The cost of health care is rising out of control causing insurance premiums to increase accordingly. A big part of it is Administrative Waste. According to a Harvard study medical billing costs about $400 billion per year.
Here are some of the Billing Abuses:
You can read the full article here.
Health Savings Accounts are becoming more popular as people try to lower their medical insurance premiums.
According to the government accountability office the number of people opting for high deductible health plans increased from 3 million in January 2005 to more than 6 million in January 2006.
High deductible medical insurance plans offer significantly lower healthcare premiums and when coupled with a Health Savings Account offer the consumer additional tax deductions. The increased popularity of Health Savings Accounts can be attributed the rising cost of healthcare coverage.
The trick to finding the best health insurance policy is to find the balance between your risk exposure and your monthly premium. Don’t be afraid of a high deductible medical insurance plan. If you want cheap health insurance, health savings accounts are the way to go.
This is especially true if you are looking for medical insurance in Miami, Ft. Lauderdale, or West Palm Beach, where medical insurance premiums tend to higher than the rest of Florida.
You can read the full BusinessWeek article here: GAO: High-deductible insurance on rise
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Health savings accounts cut costs
Brief:
“It’s no secret that I am a big fan of Health Savings Accounts and I recommend them to just about everybody I talk to.â€
Now that HSA’s have been available for a while they are starting to gain in popularity. This article provides some key statistics demonstrating this.
Comments:
The hardest part of getting an HSA is understanding how it can help you. You have to give it chance and be patient. If you have a good agent ask questions.
There are a lot of scary things in this world and buying health insurance should not be one of them. This article will offer some tips that will help you find the best health insurance policy for you and you family. You might also want to read “How to Find Low Cost Health Insurance”.
First, you should research the definitions of the types of healthcare coverage available in your state. An educated decision is usually a good decision. The Internet is a great place to start and there are a large number of websites (like this one) that will provide you with all the information you will need to buy the best medical insurance policy.
In the individual market you will be comparing Health Maintenance Organizations vs. Preferred Provider Organizations. Group health insurance offers additional options but requires that health plan be sponsored by an employer. (more…)
Instant Miami Health Insurance Quotes
I have been getting a lot of emails specifically about health insurance in Miami, so I put a Miami Health Insurance page on the main website. Here you’ll find health plan descriptions, types, and company recommendations for health care coverage in Miami-Dade county.
Click here to read the article: Instant Miami Health Insurance Quotes
Insurance Plan Shows Potential – Tallahassee Democrat
Brief:
Florida State employees can now get Health Savings Accounts. The important thing is that the HSA’s have premium savings of about $400 per year for an individual, and about $1,330 per year for families. PLUS the state is also contributing to the employees HSA, $500 for individuals and $1,000 for families. PLUS-PLUS The employee gets to keep the HSA money when they leave.
What a deal! If you are an individual you get health insurance that is $400 a year less AND you get $500 for nothing. Families save $1,330 on premiums and get $1,000 for nothing. So state employees now have an extra $900 – $2,330 in their bank accounts if they get a health savings account in Florida.
OK so here is the bad news only 1% of the employees (844 employees) opted for this plan (one of them is Gov. Busch). I can’t believe that so few have taken advantage of this.
If anyone reading this is a State employee please contact me so I can explain this to you. HSA’s are great for everybody, but in this case it is even better because the state covers a good portion of the cost for the employee.
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.
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
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:
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:
Get some health insurance quotes and side by side comparisons to find the plans that fit you best.
PricewaterhouseCoopers Forecasts Top 10 Issues for the Health Care Industry in 2006
Brief:
PricewaterhouseCoopers released a report high lighting the Top Ten Issues the health care industry is facing.
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