Child Only Health Insurance in Florida

Let’s face it, when it comes to health insurance, there are no shortcuts. As parents, we need to know that we can secure quality coverage for our children. However, if group coverage offered through work is unavailable or too expensive, finding coverage for a child is a priority. The good news is, despite being a little confusing, health care reform has made finding child only health insurance in Florida easier. At Secure Health Options, we can help you navigate your choices, saving you money and getting you the coverage you need to protect your child with a quality plan that’s right for you.

Reliable, Trusted Coverage For Children is Available

A trusted insurance provider for generations, Blue Cross Blue Shield is now offering child only health insurance in Florida. For more than a few parents, this is great news. With quality plans, flexibility and cost effective options, BCBS of Florida will be delivering more of the coverage Floridians have come to trust for years. As a parent in the sunshine state looking for child only coverage, Blue Cross Blue Shield is a smart choice and security in health insurance for children.

Making Sense of Child Only Health Insurance in Florida

There’s no denying, health care reform has left everyone a little bit confused. For folks looking to secure coverage for a child, it can be complex and the new system is challenging. At Secure Health Options, we work with only top providers, like Blue Cross Blue Shield of Florida who are now offering the child only policies you need to protect your loved ones. When you’re ready to explore your options, we’re here to help you make sense of child only health insurance in Florida.

A Helping Hand When You Need It Most

At Secure Health Options, we understand how important it is to secure the right child only health insurance in Florida. Protecting your child with medical coverage is one of the most important things you do as a parent. Let our experts guide you through the process by providing you with access to top providers, affordable rates and the information you need to get the peace of mind you deserve.

 

Cheap Term Life Insurance With No Exam

In uncertain times, it’s top priority that we protect our finances and our loved ones the best way we know how. Responsible financial planning often begins with quality life insurance. But if you’re like most people, while you understand the value of securing a quality plan, you simply don’t have the time to take a medical exam and wait for the results. If you’re looking for cheap term life insurance with no exam, you have options and that’s a good thing.

Hassle Free Coverage- Easy and Convenient

Who has the time to sit for an invasive medical exam at the doctor’s office? For that matter, who wants to, when it’s easier to find cheap term life insurance with no exam? Hassle free coverage you can depend on is available without having to endure a time consuming, complex application process. By answering just a few general questions, your application is complete and in most cases, can be approved in as few as one or two days.

Compare Rates for Cheap Term Life Insurance- With No Exam

Folks who know how to secure the most cost effective term life insurance already know the value in comparison shopping. With internet technology, it’s easy to find quote engines that offer a variety of quotes from top providers with no exam requirements. Term life is the most inexpensive life insurance available, but it’s still worth the effort to compare coverage options to ensure you’re making the most informed decision. With policies available in 5, 10, 20, even 30 year increments, cheap term life insurance with no exam is available for all phases of life.

No Exams, No Tests, No Waiting

For many people, finding cheap term life insurance with no exam is the way to go simply because there are no tests to take and no waiting period. When you need coverage fast and you don’t have the time to sit around waiting for an approval process, no exam life insurance is a smart solution. As more and more people are looking for easy, convenient options, the most respected and reliable insurance companies are offering term life insurance without an exam at competitive rates.

 

3 Reasons You May Want To Buy Funeral Insurance

funeral insuranceEvery person will face the expenses of death one day. When someone dies without leaving behind a large estate or burial insurance, the family suffers due to the expenses incurred from a funeral. Therefore, it is important to buy funeral insurance to protect the surviving family.

A good reason to buy funeral insurance is to cover the final expenses. The basic funeral costs, cemetery plots, grave markers and flowers can be expensive if funeral insurance is not available, and the funding for these funeral expenses can become a burden for the family members. Funeral costs have been increasing each year. Therefore, the need for burial insurance is extremely important to cover the cost of a funeral if someone does not want to leave behind unpaid debts for the family to pay.

Some funeral homes will offer individuals an opportunity to plan their own funerals. They will be able to make all of their final arrangements before their death, which enables them to know what their funeral expenses will cost. A traditional funeral will involve buying a casket, vault, obituary notices, flowers, limousines and other items. The funeral director will give the individuals a list of the prices for each detail of the pre-planned funeral. This method allows them to buy a policy that will be large enough to cover their death expenses. This prevents the surviving family from having to deal with the funeral details at a loved one’s death, and the pre-planned funeral will relieve stress from the family at a difficult time.

If the wage earner was to pass away, the financial debts could be overwhelming for the family. Medical bills, funeral expenses and regular debts may be left unpaid without the benefit of burial insurance. The unpaid debts could cause the family to lose a home or other necessities, since there might not be enough money to cover the extra financial obligations. Nobody wants to leave his or her family unprotected financially at his or her death. Therefore, securing funeral or burial insurance will be protecting the family against possible financial disaster.

Every person should prepare for the future by buying an adequate amount of burial or funeral insurance. Death is hard enough on the survivors without them having to suffer from the large debts of a funeral. Individuals should consider buying funeral insurance to show their loved ones that they care about their future needs.

How to Save Money on Health Insurance

health insuranceHealth insurance is a big expense, but it doesn’t have to break the bank. There are actually some simple things that you can do to reduce the money you spend on health insurance. Follow these tips to save money on your health insurance policy.

Shop around
Don’t settle for the first quote you get from an insurance broker or website. Take the time to compare policies among several companies. Some companies may offer discounts that others don’t, so it’s worth taking the time to get as much information about the policies as possible before committing to one.

Know your needs
Every person is different, with different levels of need when it comes to health insurance. A young, single, healthy person can get away with a less comprehensive policy than a family or even an older single person can. Will you need maternity benefits, have preexisting conditions, or special medical needs to take into consideration? While people with serious medical conditions may find coverage costs more, others with relatively good health can get very reasonably priced basic policies by knowing the right level of coverage to buy.

Choose your terms wisely
If you are between jobs or expect to be obtaining group insurance in the near future, a short term policy could be a great way to save money. By just covering the basics for a shorter period of time, you can reduce the amount of money that you spend on premiums. Of course, if you don’t know how long you’ll need the individual policy for, the insurance companies can help you with a longer-term policy, too.

Live a healthy lifestyle
Premiums are usually higher for people with serious medical conditions, those who are obese, and for smokers. By simply making some lifestyle changes, you can qualify for lower premiums with most companies. Plus, by exercising, eating right, and giving up tobacco you will feel better and be healthier, so it’s a win/win situation for you.

Prevention is important
Many basic policies offer coverage for preventive services such as checkups and immunizations for a very good reason; preventive medicine keeps you healthy and lowers you health care costs. Healthier people are less expensive to provide benefits for, so the savings are passed on in the form of lower premiums. Stay healthy and catch any illnesses before they become serious by scheduling regular checkups and get any recommended immunizations, including flu shots. You’ll feel better and have more money in your pockets for the effort.

Consider a higher deductible
If your employer offers a high deductible health insurance policy, you may want to consider signing up for it, especially if they provide a portion of your deductible in a Health Savings account. This can be a great way to get lower premiums and still have great benefits with a slightly higher deductible than usual.

Medicare Supplement Plan F

Parts A, B and D of Medicare cover many health care costs, but not all. A Medicare Supplement Plan, or “Medigap” plan, is a health insurance policy that pays for expenses that basic Medicare does not. When purchased in addition to your traditional Medicare policy, a Medicare Supplement Plan can “fill in the gaps” that may be costing you substantial amounts of money.Medicare Supplement Plan F is the most popular of the Medicare Supplement Plans. It is also the most comprehensive. It covers Medicare Part A coinsurance, an additional 365 days of hospital care, Medicare Part B coinsurance or copayment, 3 pints of blood and Part A hospice coinsurance or copayment. In addition, it also covers skilled nursing facility care coinsurance, the Medicare Part A deductible, the Medicare Part B deductible and foreign travel emergencies. The other Medicare Supplement Plans cover only parts or none of these costs.

Finally, Medicare Supplement Plan F includes coverage for any Medicare Part B excess costs. These costs occur when a doctor charges more than Medicare Part B reimburses. A doctor is permitted to charge 15 percent over Part B’s reimbursement. For example, if Medicare pays $100 for a visit, the doctor is allowed to ask you to pay up to $115. Medicare Supplement Plan F is one of the only plans that covers Medicare Part B excess costs.

In addition to the standard Medicare Supplement Plan F, there is also a high deductible version of the plan. While this plan has a higher deductible than other comparable plans, the premiums are lower. This plan is ideal for individuals who are in better health and wish to save money up front.

Overall, Medicare Supplement Plan F provides the best value for your money. It covers significant expenses that you would have to pay out-of-pocket on other plans. Plan F is the most popular Medigap plan for a reason–it provides you with substantial savings and peace of mind.

I Have Life Insurance, Do I Need Burial Insurance Too?

funeralPlanning ahead for your death isn’t something that a lot of people like to spend time on. However, everyone of us is going to pass away at some point, and it makes sense to look at how your estate is going to be left. In this situation, many people look at buying a burial insurance policy. If you already have a life insurance policy, do you really need burial insurance as well?What’s the Difference?

When you are looking at these two policies, it is important for you to know the difference. With life insurance, when you die, the person who is named as the beneficiary of your policy will receive a lump sum of money from the insurance company. They can use this money for any purpose. With burial insurance, the money from the insurance company is for covering the burial costs only. It goes to pay for the casket, the burial plot, the burial clothes, and funeral home costs.

Size of the Estate

Burial insurance is not for everyone. One of the factors that you have to look at when you are trying to decide whether you want to buy this type of policy is how big your estate is. If you are planning on leaving a sizable estate to your beneficiaries, then buying a burial insurance policy may not make sense. They can simply take a few thousand dollars out of the estate or the insurance payout and pay for the funeral. If the size of the estate is very small, then it might make sense to get a burial insurance policy.

Planning in Advance

If you are the type of person who likes to plan every detail out in advance, then it might make sense to purchase a burial insurance policy. You can work with the funeral home of your choice to figure out all of the details of your burial. At that point, the funeral home will be able to give you a costs for everything that you have selected. Then you can purchase a burial insurance policy to cover the costs of the process. This way, there are no question marks about what you want when you pass away. You also know that your loved ones won’t be burdened with paying for any of the funeral.

Buying burial insurance is a personal decision that you have to make based on your situation. If you decide to get a policy, make sure that you have a good idea of how much you’ll need.

Let Me Be Your Guide

Welcome to the site. I’m hoping to help guide you through any insurance questions you might have. I’ll be posting from time to time on questions and opportunities that I often see in my own business. However, if you have an insurance related question you would like an answer to, feel free to email me or leave a comment on one of the posts and I will try to answer it.

I would also always recommend that you consult the insurance professional you regularly work with before making any decisions based on any advice you might find here. I will try to keep my advice and tips fairly general, but each person and family’s financial situation and insurance needs are going to be different. Remember that what suits one individual might not be a good fit for another.