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by Meghan McCartan
Guest Contributor
We are a health insurance broker in Florida who cares about health reform and we once in awhile have outside writers submit articles to keep the conversation going. Meghan is a mother of twin in New Jersey and she brings up an interesting point about health reform which is beginning to look like it will resemble the Massachussets model in that it will include mandated coverage. ECHealthInsurance supports universal coverage as this is the only way to control health care costs which are threatening to become one half of our economy. Additionally, we feel that this option would actually solve the primary care issue, but as this is seemingly “socialism” (though it is no more socialism then Medicare) it is off the table.

Health Reform Debate

A major component of the health care debate is an emphasis on preventative care—providing for earlier detection, promoting healthier lifestyles, allowing for diagnosis and treatment before minor issues become major. However, one of the biggest obstacles here is access to the doctors who provide this care: primary care physicians.

Have you tried to see a primary care physician lately? It can take weeks, even months to get an appointment, and you may be waiting in a room for a while as these doctors are so overburdened and busy. There is a shortage now, and it is predicted that those shortages will only grow—one estimate says that within 15 years, we may be facing a shortage of over 125,000 general practice doctors.

This is a problem that isn’t quickly fixed—after all, medical school is a significant commitment of time and money. And it is that fact that contributes to the shortage—many pragmatic medical students rationalize that the best way to pay off their astronomical tuition bills, which can top $200,000, is to go into a more lucrative specialty.

Insurance companies pay more for specialized ‘procedures’ than for general office visits, so on an ongoing basis specialists make more than general practice doctors. One comparison—an average primary care physician makes $173,000, versus a specialist such as a radiologist ($391,000) or a cardiologist ($419,000).

Primary care physicians also face longer hours, in many cases, then certain specialities. And surveys of medical students point out that a great many of them wish to have some control over their lifestyles—not to be on call at all hours. This is even more true for women who wish to have families and a medical career, and larger numbers of women are entering medical school than in decades past. Thus, even if certain doctors do go into primary care, they may have reduced hours which contributes to the overall shortage.

What solutions are on the table? The President has suggested scholarships and financial incentives to help offset tuition for those who follow the primary care physician path. He has suggested an expansion of the National Health Service (which provides for tuition assistance in return for 2-4 year commitment, by the doctor, to serve in regional health centers for under-served communities). Also, many of the proposals on the table include provisions for community health centers, to help offset the burden on individual doctors.

There is reason for concern: Massachusetts, the first state to mandate insurance for all citizens, has seen a dramatic increase in the wait to see a doctor for a first visit, since it added almost 350,000 new insured citizens over the last 3 years. In fact, it takes twice as long in Massachusetts to see a doctor than in Washington, DC—seven times as long as the wait in Atlanta. Statistics like this point even further to the need for more primary care physicians. And we can’t afford to wait.

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Be a Good Neighbor, Buy A Health Insurance Policy

News Flash Below

Health Reform Ouch This is Going to Hurt Me More Then You

U.S. families with health insurance are paying an estimated $1,017 more in annual premiums to pay for healthcare for the uninsured, according to a report released on Thursday.

Isn’t that the just the craziest thing every?  Of course this is part of the reason why our health insurance is so high!  The healthy people (who usually of course are the most careless) often never get health insurance.  I wish I had a $10 (ok that’s steep but if I said 10 cents I’d be exaggerating) for every time I heard somebody say, “I am healthy I don’t health insurance.” 

Most health insurance brokers would keep hammering away at this person until they realized how ridiculous that sounded, but I simply say goodbye, as it is usually worthless to explain to people about the necessity of health coverage.  Look at this way, if people were more intelligent and less corrupt we wouldn’t even be considering this health reform agenda, as we do have a good health care system in the United States, of course it is most likely going to bankrupt us, but that is not my problem.

I of course, firmly believe that everyone should have the right to health insurance but people especially young people think that this is a waste of money.  I would be counted on this list when I was 19.  But wake up!  One big reason why our health care system is so broken is because people don’t buy health insurance.  In this regard Massachussets has it right tax everyone without health insurance that has declined coverage.  Obviously, people make mistakes and they are entitled to make them, and part of being a good, god-fearin’ soceity is picking up the tab for them.  But instead of taxing soft drinks etc., I think the first part of health reform would be to tax these people, and if you are among them and can afford it you should be slapped.  You are part of the problem in this country, as you will happily have your neighbors pay your medical bills if you get sick. 

I want health reform, and most people that choose not to buy it cannot afford it - and these people are my concern, I never want to tell someone again that they don’t qualify and if everyone at least did their part that could by buying a policy many of these people could afford a policy because the price would go down or they could get on the proper government plan. 

If you know someone without health insurance and they live in Florida and are not suffering in the recession (yes, I know that is many quailfications :) please have them call us (you don’t have to slap them) at 888 803 5917 and ask them to stop being selfish and to support health insurance reform by at least taking care of their own health.  Obviously by taking care of your own health and health insurance you make it easier for everyone else to take of their own.

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Bill Newton – Florida Consumer Action Network

Jeremy,

Thanks for the kind words and your advocacy for health care reform. People like you who are on the front lines, dealing with this every day, know how difficult the problem can be. Empty rhetoric on talk shows doesn’t solve the problems or get health care delivered to anyone.

People who want to help can call Senator Bill Nelson at 202-224-5274 or http://billnelson.senate.gov/contact/email.cfm Nelson is on the critical Senate Finance Committee and while he leans towards supporting substantial reforms like the public option, he is not a leader despite his position and needs of the state he represents. He needs to hear from all of you.

I love praise!

I just left the house of a 47 year old man who I had met with nearly 2 years ago, when I originally met him I was so concerned with myself and my life I never considered researching Florida public assistance programs.  My business was selling health insurance and I did the best I could to give the person the most health insurnace I could for the least money.  I went so far as to license with every reputable company and have never so much as held a discount plan in my hand much less sold one.

I would try to write somebody with the health insurance company that was of course the most  suitable and if I failed, I considered it to be not my fault and not my problem.  Success gives people a chance to reflect and due to my diligence in selling the best company to people I attained a very solid level of success in a very difficult business.

Back to this guy John (fictitious name), I drive to his house in South Florida (and I never go on face to face appointments and try to not even pick up the phone if possible) and I get out of the car and find out that his COBRA ended in April and he was now without health insurance as someone swindled him into buying United American which he quickly figured out was a bogus company.

Having had cancer in the last two years he was uninsurable unless you know a way around the system.  Most brokers do and I learned one my first day which I was about to do for this guy as he out of work and needed insurance.

But upon hearing his situation (I had forgotten, had he reminded me, he could have saved me three hours of my life) I sent him right over to the Broward health district program and lost a sale.

Health reform is not about me or any liberal organization, it is about people that through no fault of their own have no health coverage because of either a health or wealth situation.  Most people don’t have me or my company as a broker and would most likely have ended up paying $300 per month when they could have a free insurance policy.  Most people don’t know me nor should they have the displeasure of getting to know me.  But all people deserve health coverage and medical attention.  John is lucky, most people like him are in way worse situations that I can’t solve.

In the end there is nothing that I can do about this situation that I am not already doing, but I would really love to hear that more people regardless of political motivation see that this situation rises above politics and finance.

Support health reform in Florida, Support FCAN and all health reform organizations.

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First off A Thanks To the Florida Consumer Action Network.

I don’t flatter myself to think that anyone reads this blog on the subdomain of a boring health insurance website, but I guess I have one buddy in cyberspace and his name is Bill Newton and he is from an organization that everyone should support regardless of occupation or political views.

As a health insurance broker (although I would now say former because I spend so much time building website in order to provide marketing to my agents) I have seen and talked to thousands of Floridians about health insurance, and I have one conclusion about health insurance in Florida and really the United States, because Florida is actually a little ahead of most states in this department.

Health insurance is blatantly unfair and prejudicial.

I meet people in the early 60′s who make 50,000 a year and I would like very much for Rush Limbaugh or some other conservative (I used to be counted in this number) to go to their house and tell them that they have to pay $10,000 a year for a plan that is most likely sub-par.

Imagine if that person is like every other American and takes one medication or is 30 lbs over weight, or was born with diabetes.

Should this person quit their job and work at Starbucks?

I am sick of telling people like this that I can’t help them, and I also very much enjoy my profession selling health insurance but I would happily give up the second to get away from the first.

As I have said many times before though, I don’t believe the rising health care costs to be the fault of the health insurance industry as much as the health care industry.  Remember health insurance operates on margins and the only way to increase profits therefore is to expand membership.  Every time I write a new health insurance client I am most likely taking money from one health insurance company and putting into the bank of another.  The same could be said of the former health insurance agent whose commission I would now be taking.  And why is this person switching health insurance companies?  Because the old one got too expensive.  Hence, these Goliaths are beating each other up over the same pot of money over and over.

In the end this issue is more complicated than most of us can even fathom as I cannot even definitely tell you why these health insurance premiums go up so much every year.  I just know we need a fix.

So here is the pay of all the health insurance companies executives furnished by none other than an insurance broker on a commercial health insurance blog.  (I didn’t want to say my income if that is ok!)

URL    : http://www.fcan.org

Whois  : http://ws.arin.net/cgi-bin/whois.pl?queryinput=68.143.161.25

Comment:

I found some info on health insurance executive pay at http://www.ama-assn.org/amednews/2009/06/01/bisc0601.htm Amednews.com

Here’s what they say:

“For the top brass at the big health plans, there also was a wide range in pay changes between 2007 and 2008. Three executives — Jay Gellert, president and CEO of Health Net; Angela Braly, president and CEO of WellPoint; and Aetna Chair and CEO Ronald Williams — saw boosts in total compensation. Williams’ went up by 5%, from $23 million to $24.3 million; Braly’s by 8%, from $9 million to $9.8 million; and Gellert’s by 20%, from $3.6 million to $4.4 million.

On the other end of the spectrum, the pay package for UnitedHealth Group President and CEO Stephen Hemsley dropped 75%, from $13.1 million in 2007 to $3.2 million in 2008.

CEOs at the 7 largest publicly-traded health plans saw a 12% drop in total compensation in 2008.

Total compensation also dropped for three of his counterparts at the largest health plans: Cigna Chair and CEO H. Edward Hanway’s total pay dropped 53% from $25.8 million in 2007 to $12.2 in 2008. Coventry Health Care’s President and CEO Dale Wolf, who was replaced in January 2009, made $9 million in 2008 compared with $14.8 million in 2007 (-39%). Humana’s President and CEO Mike McCallister made $10.3 million in 2007 and $4.7 million in 2008 (-54%).”

These are obscene pay rates when so many people are facing bankruptcy because of medical debt or struggling with medical bills. Its hard to understand what someone would do with an annual salary of $24.3 million — Aetna’s CEO. Sure they lost some money because of the recession, but I don’t feel sorry for any of these guys.

I believe that health care reform is essential to getting the economy going again. We are spending too much money in this sector and can’t compete internationally. We can’t afford to be wasteful.  Our health care system is inefficient compared to most modern western countries, and that’s why “http://www.who.int/whr/2000/media_centre/press_release/en/index.html” we rank 37th according to the World Health Organization.  It is time to change.

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Meghan McCartan

It’s August, where do we stand?

We are a Florida health insurance company with an obvious vested interest in the outcome of this legislation but we want to see the right bill and not some mixed up piece of earmarked nonsense that is passed for political gain.

Originally, the August deadline was thrown around as the goal for a final health care reform bill. It’s August 21—where do we stand?

There’s no bill, at present, and Congress has left for a recess. Certainly, the summer in Washington, August in particular, is not usually a busy time for legislation, and there has been a lot more talk this August than any in recent memory. But where do we stand?

The Senate is now actually discussing trimming their original bill a great deal. They are looking to create a bill that can get bi-partisan support—which means it will not, likely, have the trillion dollar price tag of the President’s initial proposal, and would focus on providing affordable care at lower costs.

The House, chaired by Nancy Pelosi, is still advocating for the Public Option which has taken so much heat, of late—with Americans worried about footing the cost for a major spend, that will provide coverage for many currently uninsured Americans. The Public Option has also drawn a lot of criticism over worry about government takeovers; unfortunately, much of the debate has been taken over by fringe groups on both sides who aren’t necessarily focused on the issues at stake.

The President himself, who is now willing to concede the Public Option, has perhaps fared the worst in August; his stellar approval ratings are beginning to droop, a bit. Certainly, health care reform is a difficult issue—and the President’s ratings were quite high to begin with—but as the debate rages on (and “rage” is the appropriate term to use, especially in regard to some of the town hall meetings) the American public is beginning to doubt some of the President’s leadership—at least a portion of the public.

Nothing will happen over the next several weeks, as Congress recesses until after Labor Day. And leading lawmakers have refused to be pinned down to any deadlines. However, the fall will likely continue to be both busy, and contentious—with debate over mandates, the public option, and the overall costs of the reform of a broken system.

Update:  With the passing of Senator Kennedy who without doubt had the best interests of only the people in mind in his commitment to offer greater coverage to more people we seem perhaps even further than ever from either a reconciliation or even a half assed deal.  I had truly expected the latter a deal of interest groups that actually would end up hurting more Americans then it helped and choose winners and losers from the Washington lobbying groups.  Now I am unsure if even that will come true.

Again I do know one thing for certain and that is if we do not control medical costs we will bankrupt this nation faster than the original target bankruptcy date that many had predicted.  I do not know if we need reform until we can figure out why health insuance costs are rising over 12% per year.

Who is gaining from this?  I don’t even know for sure that is the health insurance companies because lets remember they work on margins and these margins are usually a few points so the only way they increase profits is to increase membership and expand into new areas of business etc.  I am not so certain about the health profession, and even less convinced that Washington and Wall Street are not complicit in this.  Wall Street can basically take any commodity and either short it excessively as to substantially change the price of it like oil going to $160 a barrel a couple of years ago.  Washington with all of its silly ear marks and useless legislation needs to pass a decent tort reform to control lawsuits not eliminate them and then put a cap on these costs and stop letting big Pharma who is certainly complicit in these costs as is the makers of surgical tools etc.

What we know for certain is that we want Floridians to get health coverage right now and you can by either going through us for a private plan or letting us help you at no charge find a free public assistance plan.

We want to help Florida and we want to become known as a true force in health reform and health legislation.  Buy Florida health insurance through us so we can help you Florida!

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By Jeremy Ehrenthal

Florida Health Insurance Broker (not so much anymore as much as blogger and web designer)

This website is my passion, and being successful is very important to me and even though of course we are in the Florida health insurance business as brokers I can still seperate myself from the issues in Washington and more importantly the issues right here in South Florida.  It has recently been brought to my attention that Jackson Health Systems might be in financial decline due to their high losses and no goverment money coming in.  If this hospital has to shut its doors or start turning away people then I fear what we have become.  If it is true that this hospital regardless of if it is receiving so called political favors by being allowed to become the Miami Dade County Health District’s hospital and thus taking money away from other resource centers, is actually turning away patients.  Then I fear, and most certainly it is true that we have lost our minds.  If this hospital which has helped so many is forced to even have to make one cutback for one person then that is one too many.  We need to make our politicians stop worrying about Wall Street and start worrying about the streets of Miami where so many people are helped by the Jackson Health System that it would be truly tragic if one person is refused treatment while even $1 in bailout money is paid as a bonus to an executive from the troubled financial sector.  We will have indeed lost our souls.

I am personally sickened by all of this, including my profession, the medical field, and even worse is every politician (except you Commissioner Martinez).  If I had enough money and support I would start a real mutual health insurance plan for people.  I would march down to the Governor and say just give me enough to start a health insurance company.  Not a non-profit health insurance company (which is really the biggest joke in the world, unless you think that everyone should get private jets), or a fake corporate mish mash of lobbyists and backroom deals where millions of peoples fates are sealed with an exchange of a few votes, but a real company with fixed salaries not owned by the government, or the doctors, or even the scum of all us the health brokers, but instead you. Guess who switch to the generic cholesterol medication if they knew it would help their own company, you would and so would everyone else who shared a common interest.  Common interest, Capitalism these are the very things that government has ruined and will never be able to fix.  I await the next financial meltdown and believe me it is coming and only hope that this time it takes down some politicians as well instead of just the working class.

Miami-Dade’s Jackson Health System Looking for Money and May Close or Sell Primary Care Clinics

The system consists of 3 hospitals and anticipates a 56 million dollar loss this year and double that for next year.  Cash on hand is only around 3 weeks, which means that if money stops coming, after 3 weeks the pot would be empty with no payments.  The hospital reserve funds are steadily declining imageand will be almost gone within another year or so.

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The Health Insurance Problem in America the effects on the Florida Health Insurance Market

The Health Care Problem in America: How it Affects Florida

by Meghan McCartan East Coast Health Insurance Freelance Writer

It’s impossible to ignore the health care debate in this country, if you watch the news, read the paper, or have been even partly tuned in since last November’s election. One of the most talked about issues (beyond the economy, the wars in Iraq and Afghanistan, beyond anything) is the debate over health care, and regardless of “flash-in-the-pan” media stories (such as the “Beer Summit”, in which President Obama brought together a Boston police officer with a Harvard professor)—the overwhelming story that will be with us for some time is the future of health insurance.

The story in a nutshell revolves around the President’s campaign promise to provide accessible and affordable health care to every American—the families who are struggling with unemployment and have lost their benefits; those who are trying to follow the path towards self employment – every American.

It is fairly easy to lose track of the issues in the confusion of Repbulican vs. Democrat partisan debate. Frustratingly for many Americans, their representatives seem more involved in scoring points or maintaining party lines, instead of clearly enumerating the issues and working together to reach a solution. What are the main issues being discussed…and how are they falling, within the party divisions?

Universal health care is the overwhelming rallying cry and while it is difficult to argue against a system that offers opportunity and access to everyone, the issues are of course more complex. Democrats are working towards government sponsored universal health care. The “government sponsored” element is what has many workers in Florida and nationwide worried. The fear is the likely trend upward in paying for that care, even as part of group health insurance. And of course there is the fear of lost benefits when a job is lost.

On the other side of the aisle are the Republicans, who along party guidelines are reacting against the increase in governmental influence. They are questioning the scope of the plan and predicting insurmountably high costs for this government-sponsored health care. In fact, this is the basis for one of their main arguments; to date, no one has yet been adequately able to suggest a way to pay for these costs; subsequently, tax increases become a part of any discussion, often sidelining the debate on the actual health care issues.

A couple of other main points to watch—even as the initial August deadline has passed:

  • The House is advocating for a new insurance marketplace, called an exchange. Individuals or small businesses would be able to choose coverage from private sources or government sponsored programs.
  • Through such an exchange low income individuals would be eligible for expanded Medicaid benefits.
  • The exchange would provide high- or mid-income earners access to government subsidies.
  • The other side: Republicans complain about the costs and funding of these solutions (mostly covered by tax increases, especially on higher-earning Americans)

Another issue for those in Florida to tune in to, especially if facing job loss, are arguments that will extend benefits for those unemployed (including COBRA, at a reduced rate). The old 6-month COBRA option, now extended to 9 months and possibly even going beyond, for a full year, provides a ray of hope especially as the unemployment rate shows signs of stabilizing and even dropping.

The debate in Washington will likely continue. While it’s difficult to separate the partisanship from the issues, the result of the ongoing solution will hopefully be a long-term, workable solution for the country.

In the meantime East Coast Health Insurance pushes health insurance reform onto the Florida Health Insurance market by continuing to evolve and offer the newest and best plans for both the residents of Florida and the health industry.  We are vigorously promoting the new Miami Dade Blue plan because it introduces reform at the local level involving local hospitals, doctors, and practitioners in an effort to offer affordable heath insurance to Miami-Dade County.  You can support this plan coming to the rest of Florida by shopping it with us if you live in Miami and comparing it to  your current Florida health insurance benefits. Don’t even worry about prices as the Miami Dade Blue plan is the most affordable plan anywhere in Florida and with a deductible of only $250 most people think it too good to be true.  It can be!  Also please call, support, or vote for Commissioner Joe Martinez of Miami as he is the one that developed and pushed this plan through relentlessly for his own constituents not to earn any political points.  He doesn’t even know who we are but we thank him for you.

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Cover Florida Health Care Analysis Miami Herald and ECHealthInsurance.com

Governor Crist claims to have reinvented the wheel with Cover Florida but instead I believe it is more a case of reverse Darwinism.  Cover Florida is the opposite of Health Reform and it should be kicked into the bowels of history along with Health Markets and a new Government Health Plan.  Fix and Expand Medicaid and Most Importantly expand the current Health Programs administered locally to more People!  Health Reform is needed not more Federal Government employees to screw it up!  Democrats and Republicans are both literally incorrect on this issue.  It is a question of survival at this point, and there is no money for new entitlements.  Instead fix the old ones and expand those it is basic economies of scale!  I will happily shut my doors tomorrow and go into a new business if I can offer health insurance for free to the people that deserve it.  Cover Florida works?  Jesus, Crist it is a step backwards.  The eagle has landed alright and its upside down!

The Eagle Has Landed, but it looks lost!

The Eagle Has Landed, but it looks lost!

BY MARC CAPUTO

Herald/Times Tallahassee Bureau

TALLAHASSEE — A success rate of less than a tenth of a percent might not sound like much, but to Gov. Charlie Crist it’s campaign-trail bragging material for healthcare reform.

Crist’s new Cover Florida healthcare proposal has signed up only 3,757 people in a state with nearly four million uninsured. Meantime, an estimated 77,250 Floridians have lost health-insurance coverage since Cover Florida began releasing statistics in March.

Yet Crist touts Cover Florida as a “national model” and as a private-sector alternative to the government-run insurance plans of congressional Democrats and President Barack Obama.

“What’s happening in Washington, I don’t agree with,” Crist said recently. “We found a better way in Florida, by wanting to include the private sector to participate more.”

Under Cover Florida, Crist’s administration persuaded insurance companies to offer stripped-down health plans for stripped down prices. The more coverage a person receives, the more he pays. That, Crist says, gives consumers more choice and less government.

Crist’s government-is-the-problem tone, which has become more pronounced as he began stumping for U.S. Senate, contrasts sharply with the approach he took to stabilize insurance rates on homes, businesses and other properties in 2007.

Then, Crist advocated for more government-run insurance to compete with private hurricane insurance companies as they raised rates and dropped customers. Now, Crist opposes government-run insurance, while health-insurance companies are raising rates and dropping customers.

At least one-fifth of Florida’s population lacks health coverage. Florida’s uninsured rate is the third-highest in a nation where about 50 million people are uninsured, according to the latest U.S. Census figures.

Crist argues that health insurance costs are so high in Florida because state government requires insurers to guarantee expensive procedures and lengthy hospital stays. By lifting some mandates, the government allowed six insurance companies to offer less expensive Cover Florida plans.

But since the government still helps ration benefits in Cover Florida, some question the conservative bonafides of Crist’s plan, which is outlined on the website coverfloridahealthcare.com.

Two types of plans are available, catastrophic and preventive. Some plans have average premiums as low $50 a month. Others have deductibles as high as $5,000.

But for some Floridians, the costs might still be too high. For others, the limited services might not be worth the price, said R. Paul Duncan, a professor and director of the University of Florida’s Department of Health Services Research, Management and Policy.

“Part of the problem is that when people think about insurance, they think about comprehensive coverage,” Duncan said. “So when they see limited coverage to accomplish a price reduction, they add it up and say, `I don’t think so . . . If I’m going to buy insurance, I want it to completely cover me.’ ”

SOME CREDIT OWED

But Duncan says Cover Florida deserves some credit, noting: “If people are going from nothing to something, that’s better than nothing.”

Crist says his proposals became instant successes the moment they helped one person.

Crist’s campaign website gives scant indication of the limited enrollment in Cover Florida.

“I signed into law a nationally recognized, market-based health care program to provide low-cost health insurance for nearly four million uninsured Floridians,” it says.

Mr. Crist has done an admirable job here but his good intentions are wasted on this Cover Florida plan. Instead of a new plan like this just use the money to give to the individual Florida counties most of them whom already have magnicent health programs for the uninsured Florida residents. This Cover Florida program is worse in some cases then being without coverage altogether as it disqualifies you from getting on an individual health plan from Medicaid or the County as most of them have rules that clearly state you must be without health coverage for 6 months prior to getting approved!
Additionally this plan has more holes then an 50 year old dartboard in an Irish pub.
On the contrary side, the new Miami-Dade Blue plan from Commissioner Joe Martinez (who deserves a kiss from all Miami residents) is very comprehensive and usually much less money. For more information on these programs visit our website at http://www.echealthinsurance.com/florida%20health%20resources.html.

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Florida Health Insurance Brokerage to Donate Month of August To Help Residents of Florida

Miami , Florida August 09, 2009 — ECHealthInsurance.com a Florida based health insurance company has spotlighted the month of August as its month to help Floridians. According to Vice President of Marketing Caroline Ehrenthal, “there really wasn’t much to the decision, as August is the only month every year that is open for one man group enrollments, in addition due to the seasonality spikes of Florida our summer is much slower as the population shrinks so dramatically, and finally Medicare enrollments will not start until after fall.”

Thus if you are currently without medical coverage and have been putting off a medical issue as you don’t have insurance or money to pay cash ECHealthInsurance.com (East Coast Health Insurance) is offering its services as a Health Resource Center to help you sign up with the many Florida health programs that most citizens don’t even realize are available. Mrs. Ehrenthal goes on, “Most Floridians don’t realize this, but nationally 30% of the 50 million or so uninsured are eligible for assistance, and due to the depressed Miami market this number will hover closer to 40% in Florida.”
Additionally, with the August open enrollment period for one man groups people should certainly be calling us for advise or a free consultation. “Most health insurance brokers won’t even consider writing a one-man group due to the fact there are no commissions paid on them and the health insurance companies certainly don’t like the business or the brokers that write it as it distorts their profit margins. This is because generally one man groups are for the uninsurable or people that pose a higher medical risk and have been turned down for individual plans. Indeed these plans can be significantly more expensive then individual plans, but they are the best option if you can afford them and if you earn too much for a Florida assistance program like Medicaid or a county health plan and have been denied for an individual health plan. Ehrenthal warns against signing up with Cover Florida plans no matter who the health insurance company is due to, “the many shortcomings of these plans.” And finally if live in Miami-Dade County, the new Miami Dade Blue plan can be an affordable life saver. EChealthInsurance has been finding the newest most affordable health plans for Floridians year after year and we offer free Florida Health Insurance quotes at our website http://www.EChealthInsurance.com/floridaindividualhealth.html
ECHealthInsurance.com is Florida health brokerage and can be contacted during normal business hours at 888.803.5917 and by email at quote@echealthinsurance.com

http://www.ECHealthInsurance.com or East Coast Health Insurance is the premier Florida health insurance brokerage with contracts from all major Florida health insurance companies. They have been in business for several years and have an entire staff ready to help you obtain health coverage even to help you apply for social services should you qualify all at no charge to you. You can get free, instant online quotes at our website from all major Florida health insurance companies.
888.803.5917
10 Fairway Dr Suite 303
Deerfield Beach, FL 33441
http://www.ECHealthInsurance.com/floridaresources.html is their web page for all Florida health programs from Medicaid and Kidcare, to a list of county health plans and their contact information.

Florida Health Insurance Quotes from ECHealthInsurance.com

Florida Health Insurance Quotes from ECHealthInsurance.com

See This Story At Allvoices.com

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Florida Health Insurance Company Mega/Midwest/United American or Health Markets

Florida Health Insurance Company Scams and Rip Offs

EastCoast Health Insurance we won't steal from you!

EastCoast Health Insurance we won't steal from you!

I am writing this post (without regard for my own legal obligations) because as a Florida Health Insurance Broker, I feel that the fact that these thieves continue to be allowed to operate in this state is abhorrent.  When we started ECHealthInsurance.com we did so with the understanding that we would help people with their health insurance and that we got paid to do so what just great.  We never considered for a second selling disreputable companies because people’s lives are at stake. I am not saying that if you choose one health insurance company instead of another your odds of dying increase.  But I am saying that if your health insurance company is part of a scam and you can’t get the basic medical coverage that you thought you had, that you will not get the same medical attention.

People without health insurance get inferior health care to people with health insurance and as long as you have one our health insurance companies then you will be fine.  But should you find that your health insurance company is not on this list then you need to call us at East Coast Health Insurance asap 888.803.5917.    Aetna, Avmed, Blue Cross Blue Shield of Florida, Cigna, Coventry, Humana, United, Vista, Neighborhood HP, Medica, and even Avalon.

As you can see none of the Health Market Companies are listed, so if you currently have Mega Health, Midwest National of Tennesee, or United American you are literally playing with your life and you might as well be without health coverage.  If you don’t believe me, then please read over your health insurance policy right now.  If I was the Governor of Florida who really has tried to help Florida get better health insurance plans with his Cover Florida plan etc. I would kick these fools out of the state.  And if they want to come and sue me, you can find me in my office where I will be sharpening my Chinese throwing stars!  Anyways, that last part was a joke.

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