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FLORIDA HEALTH INSURANCE

January 21, 2008

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Health Insurance Consultant -- Morgan Moran -- (800) 554-9142

Florida Primary Days Away - Final Four Positions

As seen on Yahoo News -- Florida Primary Is A Health Insurance Primary Says Health Insurance Web

With less than a week to go before Florida's winner take all primary, Florida health insurance web has its final primary election coverage with each of the leading candidates positions on health insurance. “The Florida primary has really come down to the economy, and health care”, said financial consultant Morgan Moran, “if you look at the latest polls, health insurance has moved the Democrats into first place.

There are 57 delegates at stake in Florida, and according to the latest polls from Real Clear Politics, the four leading candidates are: Clinton with 43%, Obama with 33%, McCain with 23%, and Giuliani with 11%. Florida’s primary is January 29th -- vote. Health insurance has become one of the major issues this election according to Moran, “the Democrats have made huge promises… The Republicans offer tax cuts.”

“The democratic candidates offer total coverage plans” said Moran, “which will cover every Florida resident with affordable, quality health care”.

Following the polls, Florida health insurance has published a complete list of each of the top four candidates position on health insurance, and how their plans may effect your Florida’s health insurance policy.

Hillary Clinton's - "American Health Choices Plan - will secure, simplify and ensure choice in health coverage for all Americans." This Plan covers every American - finally addressing the needs of the 47 million uninsured and the tens of millions of workers with coverage who fear they could be one pink slip away from losing their health coverage - with no overall increase in health spending or taxes. For those with health insurance, the plan builds on the current system to give businesses and their employees greater choice of health plans - including keeping the one they have - improving quality while lowering costs.

Barrack Obama, running 10 points behind Clinton said, “We now face an opportunity — and an obligation — to turn the page on the failed politics of yesterday's health care debate." Obama’s plan begins by covering every American. If you already have health insurance, the only thing that will change for you under this plan is the amount of money you will spend on premiums. That will be less. If you are one of the 45 million Americans who don't have health insurance, you will have it after this plan becomes law. No one will be turned away because of a preexisting condition or illness.”

John McCain, the leading Republican candidate, believes bringing health care costs under control is the only way to stop the erosion of affordable health insurance. He plans to save Medicare and Medicaid, protect private health benefits for retirees, and allow our companies to effectively compete around the world. McCain said "families should be in charge of their health care dollars and have more control over their care." We can improve health and spend less, while promoting competition on the cost and quality of care, taking better care of our citizens with chronic illness, and promoting prevention that will keep millions of others from ever developing deadly and debilitating disease.

Rudy Giuliani proposes an income exclusion of up to $15,000 for those without employer coverage to make insurance more affordable. He also believes that by creating visibility of price, provider qualifications, and risk-adjusted procedure outcomes will expand competition and open up new motivation for improving quality and reducing cost. On his VoteRudy web site he is quoted as saying "America’s tax system penalizes millions of citizens without access to employer health care", including 40 percent of employees at small firms. Americans without employer-based insurance should have tax benefits just as the 175 million Americans with employment-based coverage do.

Full Details From Each Candidates - Clinton, Obama, McCain, & Giuliani

John McCain is willing to address the fundamental problem: the rapidly rising cost of U.S. health care. Bringing costs under control is the only way to stop the erosion of affordable health insurance, save Medicare and Medicaid, protect private health benefits for retirees, and allow our companies to effectively compete around the world.

Families should be in charge of their health care dollars and have more control over their care. We can improve health and spend less, while promoting competition on the cost and quality of care, taking better care of our citizens with chronic illness, and promoting prevention that will keep millions of others from ever developing deadly and debilitating disease.

While we reform the system and maintain quality, we can and must provide access to health care for all our citizens - whether temporarily or chronically uninsured, whether living in rural areas with limited services, or whether residing in inner cities where access to physicians is often limited.

America's veterans have fought for our freedom. We should give them freedom to choose to carry their VA dollars to a provider that gives them the timely care at high quality and in the best location.

Controlling health care costs will take fundamental change - nothing short of a complete reform of the culture of our health system and the way we pay for it will suffice. Reforms to federal policy and programs should focus on enhancing quality while controlling costs: Promote competition throughout the health care system - between providers and among alternative treatments.

Make patients the center of care and give them a larger role in both prevention and care, putting more decisions and responsibility in their hands. Make public more information on treatment options and require transparency by providers regarding medical outcomes, quality of care, costs, and prices. Facilitate the development of national standards for measuring and recording treatments and outcomes. Reform the payment systems in Medicare to compensate providers for diagnosis, prevention, and care coordination. Medicare should not pay for preventable medical errors or mismanagement.


Hillary Clinton unveiled the third part of her plan to ensure that all Americans have affordable, quality health insurance. Building on her proposals to rein in costs and to insist on value and quality, her American Health Choices Plan will secure, simplify and ensure choice in health coverage for all Americans. This Plan covers every American - finally addressing the needs of the 47 million uninsured and the tens of millions of workers with coverage who fear they could be one pink slip away from losing their health coverage - with no overall increase in health spending or taxes. For those with health insurance, the plan builds on the current system to give businesses and their employees greater choice of health plans - including keeping the one they have - while lowering cost and improving quality.

The American Health Choices Plan gives Americans the choice to preserve their existing coverage, while offering new choices to those with insurance, to the 47 million people in the United States without insurance, and the tens of millions more at risk of losing coverage.

The Same Choice of Health Plan Options that Members of Congress Receive: Americans can keep their existing coverage or access the same menu of quality private insurance options that their Members of Congress receive through a new Health Choices Menu, established without any new bureaucracy as part of the Federal Employee Health Benefit Program (FEHBP). In addition to the broad array of private options that Americans can choose from, they will be offered the choice of a public plan option similar to Medicare.

A Guarantee of Quality Coverage: The new array of choices offered in the Menu will provide benefits at least as good as the typical plan offered to Members of Congress, which includes mental health parity and usually dental coverage.

Americans who are satisfied with the coverage they have today can keep it, while benefiting from lower premiums and higher quality.

Provide Tax Relief to Ensure Affordability: Working families will receive a refundable tax credit to help them afford high-quality health coverage. Limit Premium Payments to a Percentage of Income: The refundable tax credit will be designed to prevent premiums from exceeding a percentage of family income, while maintaining consumer price consciousness in choosing health plans. Create a New Small Business Tax Credit: To make it easier-not harder-for small businesses to create new jobs with health coverage, a new health care tax credit for small businesses will provide an incentive for job-based coverage. Strengthen Medicaid and CHIP: The Plan will fix the holes in the safety net to ensure that the most vulnerable populations receive affordable, quality care. Launch a Retiree Health Legacy Initiative: A new tax credit for qualifying private and public retiree health plans will offset a significant portion of catastrophic expenditures, so long as savings are dedicated to workers and competitiveness.


Obama

“We now face an opportunity — and an obligation — to turn the page on the failed politics of yesterday's health care debates… My plan begins by covering every American. If you already have health insurance, the only thing that will change for you under this plan is the amount of money you will spend on premiums. That will be less. If you are one of the 45 million Americans who don't have health insurance, you will have it after this plan becomes law. No one will be turned away because of a preexisting condition or illness.”

Millions of Americans are uninsured or underinsured because of rising medical costs: 47 million Americans — including nearly 9 million children — lack health insurance with no signs of this trend slowing down.

Health care costs are skyrocketing: : Health insurance premiums have risen 4 times faster than wages over the past 6 years.

Too little is spent on prevention and public health: The nation faces epidemics of obesity and chronic diseases as well as new threats of pandemic flu and bioterrorism. Yet despite all of this less than 4 cents of every health care dollar is spent on prevention and public health.

Barack Obama's Plan Quality, Affordable and Portable Coverage for All Obama's Plan to Cover Uninsured Americans: Obama will make available a new national health plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The Obama plan will have the following features: Guaranteed eligibility. No American will be turned away from any insurance plan because of illness or pre-existing conditions. Comprehensive benefits. The benefit package will be similar to that offered through Federal Employees Health Benefits Program (FEHBP), the plan members of Congress have. The plan will cover all essential medical services, including preventive, maternity and mental health care. Affordable premiums, co-pays and deductibles.

Subsidies. Individuals and families who do not qualify for Medicaid or SCHIP but still need financial assistance will receive an income-related federal subsidy to buy into the new public plan or purchase a private health care plan. Simplified paperwork and reined in health costs.

Barack Obama is also committed to ensuring that disabled Americans receive Medicaid and Medicare benefits in a low-cost, effective and timely manner. Recognizing that many individuals with disabilities rely on Medicare, Obama worked with Senator Ken Salazar (D-CO) to urge the department of health and human services to provide clear and reliable information on the Medicare prescription drug benefit and to ensure that the Medicare recipients were protected from fraudulent claims by marketers and drug plan agents.

About Morgan Moran and FHI-Web Florida Health Insurance Web is a health insurance consulting service. Find out about health insurance from the experts in a free online or phone consultation. Florida health insurance web is a source of health insurance news, agents, and insurance carriers covering individuals in the state of Florida. Individuals can get insurance quotes, search rates online by city, read current insurance news and events. For a directory and archive of Florida Health Insurance News or Consultants, or free health insurance quotes, please visit www.FloridaHealthInsuranceWeb.com. -- Please Read Our Archives For 2008

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