Know the Difference between Group and Individual Maternity Coverage?
Maternity coverage can be the most frustrating part of insurance for many young families. Most individual health insurance policies exclude a maternity benefit. You can purchase a rider that will cover office visits and child birth. Most, if not all companies in Florida will not provide coverage if you are already pregnant. However, under Florida Small Group Reform group health insurance carriers cannot put a pre-existing condition on you for pregnancy. Group health insurance will cover maternity costs up to the limitations and exclusions of the policy.
*Maternity coverage means the insurance covers part or all of the medical cost during a woman's pregnancy. Coverage is broken down into inpatient and outpatient services. Usually, inpatient coverage includes hospitalization and physician fees associated with child birth. Outpatient coverage pays for prenatal and postnatal OB-GYN office visits. Certain terms may vary.
Sunday, November 2, 2008
Saturday, November 1, 2008
Affordable Health Insurance
As part of my commitment to Jacksonville's citizens for affordable health care here are a few ideas to consider. Frankly, I am not sure if this isn't the most affordable and most accessible health care has been since the beginning of health insurance in the 1930's.
1. Low cost group plans from Blue Cross - 50% less than traditional plans.
2. Value Pick plans from Aetna - only requires 25% contribution by employers.
3. GoBlue from Blue Cross - Discount Program.
Another concept to consider...
1. 30 year old male can purchase a $5,000 deductible for under $60 a month. In addition he can purchase Blue Cross' GoBlue Plan 91 for $30 that gives him access to office visits, dentist visits, prescriptions and lab tests at discounted prices. Totalling less than $99. Sprint sells their cell phone plans for $99 a month per person. Comcast cable offered their triple play package for $99.
https://www.goblueflorida.com/gbl/main/home.do
2. 50 year old female can purchase the same deductible for under $160 a month and buy the same Plan 91 for $46 with the same access to discounts. Just over $200 a month for quality health insurance and access to the world's best health care.
Several statistics have shown that 18 million of the 48 million uninsured are families that earn between $50,000 and $75,000. Most of these families have parents who are between 25 and 40 years old. Now this does not account for our citizens that cannot obtain health care due to pre-existing conditions. However most people do not realize how easy it is to create a small business that provides a product or service with 1 or 2 employees and that qualifies for group health insurance. Group health insurance provides pre-existing condition limitations and guaranteed issue.
1. Low cost group plans from Blue Cross - 50% less than traditional plans.
2. Value Pick plans from Aetna - only requires 25% contribution by employers.
3. GoBlue from Blue Cross - Discount Program.
Another concept to consider...
1. 30 year old male can purchase a $5,000 deductible for under $60 a month. In addition he can purchase Blue Cross' GoBlue Plan 91 for $30 that gives him access to office visits, dentist visits, prescriptions and lab tests at discounted prices. Totalling less than $99. Sprint sells their cell phone plans for $99 a month per person. Comcast cable offered their triple play package for $99.
https://www.goblueflorida.com/gbl/main/home.do
2. 50 year old female can purchase the same deductible for under $160 a month and buy the same Plan 91 for $46 with the same access to discounts. Just over $200 a month for quality health insurance and access to the world's best health care.
Several statistics have shown that 18 million of the 48 million uninsured are families that earn between $50,000 and $75,000. Most of these families have parents who are between 25 and 40 years old. Now this does not account for our citizens that cannot obtain health care due to pre-existing conditions. However most people do not realize how easy it is to create a small business that provides a product or service with 1 or 2 employees and that qualifies for group health insurance. Group health insurance provides pre-existing condition limitations and guaranteed issue.
Monday, May 5, 2008
Wellness Does Work
Often the discussion of wellness programs quickly fall to the side, as ineffective or not producing enough ROI. The facts may lead you to another perspective. http://www.wellsteps.com/ is a well respected company within the industry providing a tool to calculate the impact of wellness programs. Not only are there savings in wellness usually $2-3 to every $1, but there are additional savings or rebates available for small business through Aetna and United Healthcare.
Wednesday, February 27, 2008
Crist Florida Health Insurance Plan
Florida: Governor Charlie Crist announced last week his health reform proposal to address the uninsured. There are many details to be worked out. It is a voluntary public/private partnership with the ability to offer plans with flexibility in benefits. It is not expected to contain individual mandates nor employer mandates. Health Insurance companies will continue to work with the Governor as the session approaches in the first week of March.
Jacksonville Channel 4 News
Jacksonville Channel 4 News
Sunday, February 17, 2008
New Products for 2008
Recently, United Healthcare, Blue Cross of Florida and Aetna have developed new plan options to meet the affordability and availability needs of Florida business owners and employees.
Top Selling Plans include the United Healthcare EDGE plan Y3A, Aetna's HMO 803 with gatekeeper and Blue Cross's 3464 and 3262 plan options. These plans offer lower pricing and predictible costs at the doctor's office.
To learn more about these plan options visit http://www.benefit-advisors.com/ and request a quote.
Top Selling Plans include the United Healthcare EDGE plan Y3A, Aetna's HMO 803 with gatekeeper and Blue Cross's 3464 and 3262 plan options. These plans offer lower pricing and predictible costs at the doctor's office.
To learn more about these plan options visit http://www.benefit-advisors.com/ and request a quote.
Thursday, October 4, 2007
Health Insurance Marketing Update...
You may have noticed the onslaught of new marketing phrases being pushed down from various health insurance companies, like "Healing health care. Together." (www.uhc.com) and "Lower-cost Plans" (www.bcbsfl.com).
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