Affordable Health Insurance in Florida – Low Cost Plan Online

October 17th, 2011 by admin No comments »

Affordable Health Insurance in Florida – Low Cost Plan Online

Did you know that by shopping on the Internet, you can find affordable, low cost health insurance in Florida? Insurance companies have put together new health insurance plans at a cost lower than you might think. One such plan is the HSA 100 health insurance plan.

Florida HSA Health Insurance Plans

An HSA 100 health insurance plan takes advantage of a network of high quality physicians and hospitals across all 50 states. There are currently 470,000 physicians and 4,500 hospitals within this network. Medical care discounts of up to 35% – to 45% help make this plan low cost and affordable.

A high deductible is also part of this health care plan. Deductibles range from $1100, $1850, $2850, $3500, to $5000. High deductible plans are easy to understand and provide lower monthly premiums. Many high deductible health insurance plans cover 100% of medical care costs once the deductible has been met.

These plans are extremely flexible and can be easily customized to fit your needs and your budget. You can pick and choose the coverage you want, or don’t want, to help you save even more money. Online insurance websites allow you to select different options in health coverage. Costs for plan variations are then computed instantly and shown on your computer screen. » Read more: Affordable Health Insurance in Florida – Low Cost Plan Online

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Florida’s New Low-Cost Health Insurance Plans

October 14th, 2011 by admin No comments »

Recently, a bill was signed in Florida that would help establish the creation of a low cost health insurance plan for Florida residents.

Unfortunately, amid all the fanfare, very few people stopped to take a close look at what was actually being proposed. Permit me to enlighten you on some of the more important aspects of the proposed plan.

First of all, it is not a mandated health insurance plan. In other words, an insurance carrier would have to decide if they even want to create a plan to sell. This is NOT A PLAN THAT THE STATE OF FLORIDA IS PROVIDING. Please understand that Florida is in the midst of an extreme budget crunch and is not spending a single dime on this plan. Governor Crist has made that very clear. The cooperation of the health insurance industry will be required to make this work. As of now, there are no plans available.

Second, this is not a major medical plan. If you have a medical crisis and this is your only health insurance, you are in a lot of trouble. It is a minimal plan with a few doctor visits, a physical, perhaps some generic prescription coverage (the drugs you already get in Wal-Mart for $4) and a few other benefits. Surely, none of you ever thought that you would get a complete major medical plan for $150 a month.

Next, the plan is for someone who has had no health insurance for six months. This means that in their infinite wisdom, Florida’s representatives decided that if you lose your job and cannot afford your COBRA insurance, they want you to be without any health insurance at all for at least six months. We have a real brain trust in Tallahassee don’t we.

Now, you are really going to love this. The plans are going to sell for about $150 (projected price but who knows) and give you the most minimal of benefits. But that is the cost for an individual. A family will be much more. As a matter of fact, if you have a healthy family, a traditional major medical plan with real benefits might be less expensive.

For example, at FLQUOTE a Florida Health Insurance website a 40 year old male in Pasco County can get an excellent PPO plan for about $130 a month. We are talking about a complete multi-million dollar, major medical plan. Not a minimal plan. » Read more: Florida’s New Low-Cost Health Insurance Plans

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Florida Health Insurance Presents – Small Business Insurance

October 14th, 2011 by admin No comments »

As a business owner, managing risks is a crucial factor in business success. However, first you must understand your risks. Review your operations to identify critical activities, such as:

Responding to customers

Supplying a product or service

Billing and collecting money

Using outside suppliers and vendors

Identify risks that could disrupt your business

Think about the following hazards that could disrupt your business activities:

· A severe storm could interrupt power, making computers and phones unusable.

· An earthquake could damage your business, making it impossible for suppliers to get to you or for your employees to get to your customers.

· Computer theft could remove your customer and accounts receivable records.

· Software theft could expose your customers to identity theft.

· Your delivery driver could be involved in a serious accident with several other vehicles, damaging your truck, tools, and merchandise.

· A customer could trip on a rug in your office and break his or her ankle or wrist, then sue you for liability.

· Your product or utility suppliers could interrupt your business even though you suffer no direct damage at your premises.

Reduce your business risk

Insurance offers business owners a method to transfer the risk of property or financial loss in exchange for paying a premium to an insurance company. As a businessperson, it is your decision how much risk you want to transfer and how much you want to assume yourself.
Legal requirements may demand that you carry insurance for some risks; depending on the type of business you operate. Think about the cost of premiums in relation to the chance a loss will occur, and how much it could cost.
Improving building security, backing up online records or providing other power sources might help reduce the likelihood or severity of a loss. » Read more: Florida Health Insurance Presents – Small Business Insurance

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