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July 21, 2008 ARCHIVE
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Health Insurance Consultant
-- Morgan Moran
-- (800) 554-9142
A Florida Health Insurance Agency
Why your Health Insurance may not be that great
There is a chance that your health insurance policy is not as great
as you once thought. Over the past few years, many things have changed
within this industry. If your health insurance policy did not keep up,
it may be time to make a change. With that being said, you will first
want to review your policy before you make any rash decision. After all,
the grass is not always greener on the other side.
One of the top reasons to consider a change is cost. Millions of
Americans who purchase their own health insurance have seen their premium
increase time after time over the past few years. In turn, this means
that you may be paying a lot more money now than you did when you first
purchased a policy. While some rate increases are to be expected, not
many people were thinking that things would get as bad as they have.
Your health insurance may also be lacking in the amount of coverage
that it offers. Can you see the doctors that you want? Do you get stuck
paying a large portion of every doctor bill that you incur? You need
to answer these questions, and then decide if switching to a new policy
could remedy these issues. Remember, health insurance only helps if you
can seek the proper care without having to pay too much for doing so.
If you feel that your health insurance is lacking in some areas, you
will want to consider changes that can put you in a better position.
For Many, Health Insurance is a Luxury
For many Florida residents, health insurance is nothing more than a
luxury. In fact, one out of every four Floridians under the age of 65 does
not have health insurance coverage. Over the five year period from
2001 to 2005, health insurance premiums in the state increased by nearly
30 percent. As you can imagine, this increase put a lot of residents
behind the financial eight ball.
Although Florida's Governor is working hard on plans that would bring
relief, things are progressing slowly. Unfortunately, with each month
that goes by, more and more people are losing health insurance coverage
and in turn living without any coverage. This is especially true for
those who have previously received a policy through their employer.
With more than 47 million Americans without health insurance, this is a
problem that the entire nation is struggling with; not just those in
Florida. Even though many people see health insurance as a luxury that
they will never be able to afford, this is not acceptable. The more
people who think this way, the worse off the country is going to become
from a health care standpoint.
Plans are being put into effect on the state level, and of course, the
next president is going to be largely responsible for lowering the
number of uninsured Americans while also curbing the rising cost of
Instead of looking at health insurance as a luxury, it is important
that every American begins to see this as something that they need.
Although things are progressively worsening, there is hope around the corner
that proposed laws can get passed on the state level and that the next
president aggressively attacks this issue.
Insurance Advisory (#10)
When the economy was thriving in
the 1990's, it was not uncommon for employers to offer a great health
insurance plan for an employee's entire family. Of course, those days are
long gone due to a struggling economy coupled with companies who are
cutting back on group health insurance. If you have a spouse and/or
children who also need health insurance coverage, you will need to consider
all of your options.
Obviously, the best situation would be to receive full coverage for you
and your family from your employer. If you are unaware of the benefits
that are available, it is very important to ask. This holds true no
matter if you have been with the company for many years, or just started.
Either way, make sure that you know if your family will qualify for
In many cases, a company will pay for the employee's health care but
only a portion of others in their family. While this may seem like a bad
deal, this usually works out much better than paying for the entire
cost on your own. As you probably know, the cost of buying health
insurance is on the rise with no immediate end in sight.
No matter what, you need to make sure that you and your family have
some level of health insurance. In a perfect world, you will be able to
obtain family health insurance from your employer. But in many cases,
this is far from reality. It is important to ask your employer if they
offer this benefit, and if not, turn in another direction to purchase the
proper level of coverage.
A lot of Florida Health Insurance Options: Which one to
Are you having a difficult time deciding on which Florida health
insurance policy to purchase? If you are in charge of buying for you and/or
your family, there is a good chance that the answer to this question is
yes. Luckily, you do not have to make a mistake when buying Florida
health insurance just because you do not know exactly what you are doing.
There is enough information available that you can make an informed
decision after you gather some details.
The biggest issue consumers run into when buying Florida health
insurance is being in too much of a hurry. In other words, if you only have
one day to purchase a policy, it is safe to say that your hand is going
to be forced. For this reason, you need to make sure that you begin to
shop as soon as you know that you will need a policy. Waiting until the
last minute is only going to make things worse on you.
For consumers who are overwhelmed and afraid to make a decision, it
makes sense to get help from a Florida health insurance broker. What can
one of these professionals offer? First off, they know the industry
trends which can determine the best type of policy to purchase.
Additionally, they have connections that you may not be able to get in touch with
on your own. And since you do not pay a broker, you should consider
this if you are in the market.
There is no denying that there are a lot of Florida health insurance
policies to choose from. If you leave yourself enough time and are
willing to work with a broker, you will find that there are options that suit
your health and budget.
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