Florida (state abbreviation: FL) is a beautiful state in many ways. It has sunshine, warm climate, and the FL Department of Insurance, which regulates the insurance rates to make sure that every resident receives carrier-direct rates. In this great state, you can also get a ten day “Free Look Period” at your potential insurance policy, […]
Florida Health Plans–Group Carve-Outs
With the premiums the way they are today, ever increasing, many people are looking for a solution to curb a Florida health plans cost. The nice feature about group health insurance is that everyone is accepted. Current or past health conditions don’t count against you. Usually, group plans are very robust with low out of […]
Blue Cross and Blue Shield of Florida–Plan Spotlight
Early this year, Blue Cross and Blue Shield of Florida combined two plans to give its members increased benefits at a very affordable rate. The plan is called Blue Options Health Plan 700 also known as Hospital / Surgical Plus, which is a Florida individual health insurance plan. You may have seen BCBS’ commercials promoting […]
Florida Medigap Insurance – Bridging the Gap between Medicare and Your Needs
Medicare, Medicaid, Medigap: these are all programs that were implemented by the federal government. But which one applies to you? If you are a retiree living in Florida, then Medicare and Medigap are the ones you need to understand. The United States government, as well as the State of Florida, is committed to making sure […]
Medicare Prescription Drug Benefits
Medicare prescription drug benefits, or Part D, reach three stages throughout the year as the plan and the member pay for the cost of medication. Here are the three stages: Stage 1 Initial Coverage Stage The plan pays its share of the cost of member drugs and the member pays their share of the cost. […]