Health Insurance News

Cover Florida Plans

Many of you have been waiting for the release of the promised guaranteed issue plans that were authorized by the Florida legislature. They are finally available. But, there is the proverbial good news and bad news.

Let me begin by explaining that these plans are sold by private health insurance companies. The state of Florida does not have anything to do with the Cover Florida plans. As such, the carriers offering the plans are going to make sure that they make money on them. This leads to a string of bad news items.  Cover Florida is actually underwritten by individual health insurance companies who do so knowing that the state will pay them a subsidy and that the policy have more caps then a Hollywood Actress over 50.

I wish I had better news for you, but the truth is that if you are relatively healthy, you can purchase much better coverage in the form of a major medical plan for less money than any of the Cover Florida plans.

An Alternative to Cover Florida Plans

There are alternatives to these plans.

1. If you are healthy (you can have high blood pressure, bad back, etc.), you can purchase a standard major medical plan. We have dozens of them.

2. We can offer you a guaranteed issue plan with more coverage than a Cover Florida plan.

3. We can add a supplement to the Cover Florida plans that extend their coverage. For example, we can give you a $25,000 critical illness plan or a $50,000 cancer plan that will help pay for the expenses that the Cover Florida plan does not cover (ironic name).

4. If you have a small business or are self-employed, ask us about guaranteed issue group health insurance.

I know that I forgot to put in the good news, but there really wasn’t’ any to report. This is an interesting move for Florida to take and it might be a precursor to some sort of federal plan. Considering the fact that both Florida and the federal government is completely broke, we do not expect such a plan any time soon.

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Caroline Ehrenthal wrote this piece the other day.  EC Health Insurance supports a single payer system to its own demise.  I can’t take calls anymore from health insurance clients who are literally dying because they can’t get coverage, and I’m no stinking commie but as this country slides into the toilet bowl of financial ruin at least lets keep our citizens fed and healthy so that when we get the courage to kick Wall Street in the butt we are strong and healthy enough to do it.  Lets get some regualtion people, what else is government for anyways?

People are waiting with bated breath while our nation’s leaders struggle to resolve this country’s current health insurance crisis and formulate a plan that would offer coverage to the millions of people without health insurance. When the fact is, the notion of a universal health care system being implemented into this country’s system does not seem feasible nor does it seem monetarily plausible.

The New York Times published an article on June 2, 2009 regarding the meeting President Obama held with senators in which he evidently relayed an overall feeling of urgency that a comprehensive health care bill be created. In addition, he asserted his support for a government sponsored health insurance plan. President Obama believes that making a government run plan option available to individuals would promote competition within the market, in that, the insurance industry as a whole would have no choice but to become more honest and establish some level of transparency which would subsequently reduce health care costs. Here is an excerpt from that article, although you can access the entire article by clicking on the link below.

Obama Urges Quick Action on Insurance

June 2, 2009 The New York Times

In response to a question from Senator Jeff Bingaman, Democrat of New Mexico, Mr. Obama said that it was important to include a public plan option and that such a plan could help control health costs.

Senator Sheldon Whitehouse of Rhode Island, one of two dozen Democratic senators who met with Mr. Obama, said the president “spoke very enthusiastically about a public plan” that would compete directly with private insurers.

But in a report on Tuesday, the Center on Budget and Policy Priorities, a liberal-leaning research and advocacy group, said, “Congress is unlikely to be able to finance health reform legislation that includes universal coverage unless it limits the exclusion of employers’ health insurance payments from workers’ income and payroll taxes.”

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Florida health insurance is almost always very difficult to understand even for our Florida health insurance brokers that we hire.  Our job is to make you understand how to puchase an affordable health Florida insurance plan. Most importantly, we will get you insurance!! Whether you buy it through us or we get you covered through the state, county, or other agency. If you have been turned down by multiple carriers you can exhale now as we will get you coverage with either a reputable company, set up a small group, or send you to the best possible government agency plan.
ECHealthInsurance is a site to learn about the different types of plans, what questions to ask an agent and how to shop for the most benefits at the lowest rates.
Having health insurance can make a significant difference in the care you receive.
You can call us for advice at 888-803-5917. We are here Mon – Fri, 9 AM – 9 PM EST

We do have guaranteed issue plans for individuals and small groups. You do not have to wait until August for a group of one. Call 888-803-5917 for details.

East Coast Health Insurance is a comprehensive website for your individual and small group health insurance needs. We offer FREE instant online Florida insurance quotes and applications from major health insurance carriers.

Having health insurance can make a significant difference in the care you receive.

For additional information or to speak with an insurance expert, please call 1-888-803-5917 or email us at quotes@eastcoasthealthinsurance.com

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