Health Insurance News

Health insurance in Florida for individuals and families has never been more difficult for consumers.  But this is a good thing believe it or not because it is because we have so many new health insurance companies here and so many new plans designed to competitive from the old providers.  Perhaps you have gotten another premium increase from your Florida health insurance company and you are wondering how it is possible to keep raising  prices during a recession. At East Coast Health Insurance at least we will have no idea how to stop this trend but we are going to try to show you how to deal with it.

Common sense economic laws say that the dollar should be deflating as people are just not doing their normal health exams and skimping on many of their medical procedures even including prescriptions because they simply can’t afford it.  In turn this should make doctors and hospitals lower costs to attract more customers like most businesses are doing (last night I had a full rack of ribs for only $10!).  But instead, not only are your health insurance premiums in Florida rising exponentially but so are everyday medical costs such as blood tests or even heart transplants.  On the other hand of course, our government is extremely skilled at printing money and then spending that money, which should act in the opposite direction by inflating the currency that I use to buy that $10 rib dinner.  In the end after reading several leading economic books I have determined that no one can answer these questions and the only thing that is certain now besides death and taxes is rising health costs!

East Coast Health Insurance in Deerfield Beach, Florida is not going to try to solve that problem today as it is beyond the scope of this article, its most likely beyond the reach of the President Obama!  But we will try to save you money on your Florida medical premiums by shopping your exact plan with our eight health insurance companies including Avmed, Aetna, Blue Cross and Blue Shield, Cigna, Coventry, Humana, United, and Vista.  There are some positive developments in health insurance as well, such as the addition of the new Blue Cross Blue Shield plan called Miami Dade Blue which is available exclusively to Miami residents and can really revolutionize health insurance in the state of Florida.  With most plans actually costing $100 per month or less coupled with the amazing plan benefits, the future of health insurance might really have arrived.  This plan is slowly being rolled in additional counties in Florida throughout this year and next year.  Of course there is no free lunches in health insurance and the plan’s only drawback is its smaller network which is still growing.  But part of the compromise of affordable health coverage in Florida is going to have to come from both parties including the consumer.

Other news for people replacing their health insurance in Florida is that Aetna, United Health One, Cigna, and Avmed also released new plans this year or finally launched their own individual health insurance lines in Florida in the case of Cigna and Avmed.  These three companies are still the price leaders in most of Florida for full benefit and full network plans.  In fact based on your demographics of course any of these three carriers can be the best plan for you should you meet their plan’s target demographic.  For instance single mothers of multiple children in Miami Dade have the best pricing with Aetna.  This might seem like a strange fact but this is the kind of information that you need an experienced Florida medical insurance agent to explain.  Another great example of this to stay in Miami Dade county is the Avmed individual plans for children which are simply the most for the least in terms of benefits for premiums.  Another way of saying this could be which Florida health insurance carrier give me (and my family if applicable) the most health insurance for the least amount of money?  And although this might seem a simple question there is many moving parts to consider such as coinsurance and out of pocket maximums.

Coventry, a national PPO health insurance company recently purchased Vista Healthplan in South Florida, this was followed by Coventry releasing their own PPO plan now available in much of Florida.  East Coast Health Insurance has always felt that Vista’s HMO plan was the most benefit rich plan in Florida period but many people can be turned off by the word HMO, if not then Vista might be the plan for you.  But since this article is about saving money the first thing to do is call East Coast Health Insurance at 1.888.803.5917 and see if you are eligible to switch companies as many times we send people to the many great county health plan that are available for free or even Medicaid as we have logged many hours collecting phone numbers and websites for government health insurance plans for the people that can’t afford or qualify for individual health plans in Florida.

East Coast Health Insurance prides itself on the number of providers and plans we represent. Often times with changing health conditions, annual rate increases or new family members it may become necessary to revisit your Health Insurance plan. Our agents are here to make this change as seamless as possible and whether you are a new or existing customer our agents and support staff will engage your current carrier and new carrier to ensure there is no lapse in coverage or double payments.  We will never advise you to take a policy without understand all clauses.  We are currently marketing all major health carriers in Florida and you can quote them yourself at our website or go to individual pages for each health carrier.  The new Miami Dade Blue plan can be viewed at the Miami Dade Blue website.

When changing providers a plan will stay active for as long as 60 days past the due date for the premium that month.  By signing up with a new carrier you will make an initial payment which will only be processed after you’ve been approved for the future effective date of your choosing. This in essence will save you a month’s premium or in other words we can get you ”a free month.”

Our support staff will issue the cancellation letter if necessary to the old carrier as well as maintain a watchful eye on ensuring the policy is setup for the correct effective date. Additionally we will notify you as soon as you are approved as our agents are fully committed to ensuring our customers are satisfied with our service.