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July 06, 2008 ARCHIVE

ATTENTION:: If you live in Lake County...We have affordable health insurance rates for you! Discount policy rates for residents of:: Altoona, Astatula, Astor, Bassville Park, Clermont, Eustis, Forest Hills, Fruitland Park, Groveland, Howey-In-The-Hills, Lady Lake, Leesburg, Mascotte, Minneola, Montverde, Mount Dora, Mount Plymouth, Okahumpka, Paisley, Sorrento, Tavares, Umatilla, Yalaha - Call Now!

A Florida Health Insurance Agency

Managing your Florida Health Insurance Policy

How do you manage your Florida health insurance policy? If you do not know the answer to this question, you should take a closer look at your situation. When it comes down to it, you need to manage many facets of your Florida health insurance policy. Lacking in this area can lead to paying too much for care, missing a payment, or many other mistakes.

One area of your policy that needs managed is your premium payments. If you are not careful, you could end up missing a payment. Do you know what happens then? Your company may send you a late notice, and if they don't hear from you after that, your policy will more than likely be cancelled. Now can you see why it is so important to manage this detail of your Florida health insurance?

You also want to make sure that you are properly managing the claims that are made on your account. When you see a health care professional, they will submit a claim to your insurance company. From there, you need to make sure that everything is accurate and that you are being charged the appropriate amount, if any. Believe it or not, health insurance companies make mistakes from time to time. By keeping an eye on your account you will be able to point these out.

Overall, you do not have to go overboard when it comes to managing your Florida health insurance policy. Instead, learn what is most important and then keep close tabs on these details on a regular basis.

Health Insurance as an Employee Benefit

If you work for an employer in the state of Florida, it is safe to say that you are interested in the benefits that they offer. As you probably know, some companies offer more in this area than others. To go along with this, it does not matter how big or small a company is. Some of the smallest firms in Florida offer the best employee benefits, including free health insurance. At the same time, there are larger companies that are trying to save money and are cutting back on employee benefits.

In today's day and age, health insurance is one of the most desired employee benefits. The reason for this is simple: this coverage will cost a lot of money if you have to buy it on your own. In fact, by receiving health insurance through your employer you probably save at least $100 per month; and that is on the low side.

Many employees are fortunate enough to work for a company that offers health insurance benefits for their family as well. In other words, they can receive coverage while also adding their spouse and children to the policy. As you can imagine, this is a great benefit because family health insurance coverage can cost several hundred dollars per month.

While some companies are getting rid of employee benefits, such as health insurance, others feel that it is important to keep these around. After all, it is benefits like these that employees desire.

Those who receive many benefits from their employer should be happy. This is especially true for workers who have access to group health insurance coverage.

Millions of Floridians do not have Health Insurance

There are millions of Florida residents who live everyday without health insurance coverage. As you can imagine, this puts these people in a very compromising position. While everybody would like to have a quality health insurance policy, cost most often times keeps millions from getting the coverage they need. Of course, there are other less common reasons for not being able to secure a health insurance policy.

In order to combat this problem, lawmakers in the state of Florida are considering all of their options. Obviously, any fix is going to take some time to produce results. Although millions of Florida residents live without health insurance, this is not the only state that is suffering. In fact, there are more than 47 million Americans who do not have any coverage. So as you can see, a solution needs to be implemented on a national level; not just in particular states.

Some Floridians receive health insurance coverage through their employer, and others who have the money and good health buy on their own. While both of these options allow the majority of people to receive coverage, there are always those who cannot seem to find what they are looking for.

Is universal healthcare the answer? This is a question that will definitely be addressed by the Democratic presidential nominee soon enough. On the Republican side of things, nominee John McCain favors tax credits to help ease the pain of purchasing health insurance.

Florida Group Health Insurance: Do you have to wait?

If you sign on with a Florida employer that offers group health insurance, you should be happy to find such a good situation. Some companies in the state are cutting out group health insurance coverage because it has simply become too expensive. With that being said, you may find that you employer does not want to add you to the policy from day one. Instead, they will put you on "probation" for 30 to 90 days to ensure that you are going to stick with the company.

Why do some companies have a probationary period? Generally speaking, this helps to protect them against a lot of lost time and money. In other words, if you are offered benefits on day one but quit after a few weeks, the company would have lost time, money, and much more. To protect themselves, some companies will make you wait for a couple months to ensure that you are going to stick around. Then, and only then, will they offer you access to the group health insurance policy.

What should you do in the meantime? If you are waiting until the probation period is over, you will need to purchase your own policy during this time. Since it will likely be a maximum of three months, you should search for a short term policy. This will be enough to hold you over, and at the same time you will not have to spend too much on the coverage.

Overall, some employers will make you wait until they add you to the group health insurance policy. This may seem like a bad thing for employees, but the company needs to do this in order to protect their time and bottom line.

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