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In a contract like the individual health insurance, there is a need for a person to understand what he is paying for. Knowing what he pays for means he can take advantage of these services with no hesitation when the time comes. And in the contract like the individual health insurance where there will be an agreement between two parties, the contract will contain of a listing of the medical benefits and services. Some of the services and benefits that will be itemized in the health insurance include medical tests, drugs and other treatment services. If on the said health insurance plan the insurance provider agrees to cover the cost of these benefits, then these are called covered services in the industry. Whatever services are listed in the contract and… Continue reading

Finding inexpensive individual health insurance in Florida can be a real chore. Here's how to get inexpensive health insurance with a top-rated company the easy way.Types of InsuranceThere are a number of types of individual health insurance plans in Florida. These include:Comprehensive Plans* Indemnity plans - These plans cover your doctor bills, hospital fees, and prescriptions drug costs, and allow you to use a doctor or hospital of your choosing. These are the most expensive health care plans.* Managed health care plans (HMOs, PPOs, POSs) - These plans also pay for your doctor bills, hospital fees, and prescription drugs. With these plans you are assigned to a group of health care providers who are responsible for your care. Some of these plans allow you to use a doctor of your… Continue reading

As an employer or a participant you might be leaving money on the table by not properly taking advantage of certain features and benefits of your company’s health insurance. As a licensed Consultant and Group Benefits Brokerage company, with clients across the country, we are successful in reducing group benefit expenses because of our experience and our intimate knowledge of the factors used in determining pricing. This top 10 list should be helpful in increasing your insurance knowledge, maximizing your plan benefits and possibly reducing your company’s expenses.Background and Overview:For most companies, group benefit plans, specifically medical benefits, are among the highest non-producing company expenses. Unlike other expenses, medical benefits hits home since it affects our employees and our families personally. Therefore, it is of paramount concern that the CFO Continue reading

What do you really need to know when deciding which health insurance plan is appropriate for you? While the information is most times segmented into individual, family or group coverage, there are many other factors that impact your insurance selection. Selecting the wrong plan can leave you under-insured and resulting in catastrophic loss when hit with a major medical issue. Review these 10 areas to know what to look for in your health insurance plan.1) Prescription drug coverage – Depending upon the type of insurance plan you select, you will want to know if you will be adequately covered. Especially if you are already taking prescription medication on a regular basis, you will want to know which drugs are covered. In most cases, you will want a plan which includes Continue reading