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Florida Health Insurance
& Florida Life Insurance Florida residents: Florida
Health Insurance Broker Agent – Free Online Health Insurance Quotes from Aetna, Blue Cross
Blue Shield, Cigna, Humana and United Health Care - Golden Rule. Individual, Family or Group Health Insurance
Plans. Major Medical Health Plans, PPO, HMO, HSA, temporary and catastrophic medical
insurance plans.
For fast free individual health insurance quotes please click on the links on the left side of this page or call 561-741-8849.
About me: My name is Keith Murray and I am an independent
health insurance and life insurance broker agent. If you live in Florida and are looking for individual,
family or group health insurance, group benefits or life insurance I believe I can offer you the best prices and the
best service. If you are looking for an honest, well educated insurance agent to help you with your health
(medical), life, dental, disability or annuity please call me at 561-741-8849.
Some of the insurance companies that I represent are:
Independent
broker means I have the ability to search many insurance carriers for the best possible rate. When I shop for
your insurance you save money. My goal, to offer you the best insurance coverage, at the best
price, with the highest level of personal and professional service.
Have
you ever tired to get a live insurance agent on the phone? Are you tired of filling out forms online only to have
your information sold to 5 or 10 different telemarketers that will call you during dinner? I believe in doing things
the old fashioned way. I will talk to you live. I will not pass your name off to a telemarketer and I will not
call you during dinner unless you ask me to. If you want to speak with me about your health insurance, your life insurance,
disability insurance, or annuities call me. You will speak to me directly, not a telemarketer in another state. I am a
licensed independent insurance agent. Please call or e-mail me and let me help you find the right insurance
at the right price. Individual & Family Health Insurance Plans Group Health Insurance Plans Individual and Family Dental Insurance Group Dental Insurance Individual & Family Life Insurance Group Life Insurance Individual Disability Insurance Group Disability Annuities Group Benefits Analysis
For fast free individual health insurance
quotes please click
on the links on the left side of this page or call 561-741-8849. Another option - e-mail me Keith@KeithMurray.biz
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Employee Benefits / Health Insurance Benefits
It is estimated that 45.8 million Americans do not have health insurance. Illness
and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal
Health Affairs. The study estimates that medical bankruptcies affect about 2 million
Americans annually.
Before you have a medical emergency, it's important to know how to understand the basics of
your health insurance benefits. Some of the basic features include:
Premiums. You want to know how much your monthly insurance premium is and
whether your employer pays a part of it. Monthly premiums can easily reach $400
for single persons and two or three times that amount for families.
Employers often obtain health
insurance for their employees with a group policy. By spreading the risk among more insureds, group insurance plans are often
able to obtain more affordable premiums.
Deductibles. A deductible is the amount you pay the physician before your insurer
pays its share of your medical bill. Generally, the larger your deductible is, the smaller your premium. You may wish to consider
increasing your deductible in exchange for a lower premium. Higher deductibles are a common way for insurers to make insureds
share in the cost of health care.
Copayments. A copayment is the amount you pay when you visit a doctor. Like
a deductible, a copayment is a means of sharing the costs of health care to discourage excessive use of benefits. Copayments
are often in the range of $20-$50 -- not too much but high enough to discourage frivolous use of your benefits.
Out-of-pocket
expenses. Out-of-pocket expenses are the costs
you have to pay, in total, before an insurer pays for any remaining amounts. Amounts you pay as deductibles are included in
your out-of-pocket expenses, which are kept as a running total. Most health insurance plans also have a yearly maximum for
out-of-pocket expenses that you have to pay. Once you have reached your maximum for the period, you're usually done paying
for that period.
Coverage
of services. When it comes to the coverage of medical
services, some employer-sponsored health plans are simply more generous than others in the scope of services that they cover.
You should be aware of any procedures or medical disorders that your health insurance plan does and does not cover.
Deductible - A deductible is the dollar amount that you must pay on an
insurance policy before the insurance company begins to pay your claim. A higher deductible means you pay more before the
insurer begins to pay. The benefit of having a higher deductible is that you will pay a smaller premium.
Copayment - A copayment is a shared payment your insurance plan requires
you to make each time you visit a doctor or other health care provider. A copayment is a cost-sharing mechanism. It is used
by insurance companies to control health care costs and curb abuses that sometimes occurs with indiscriminate use of health
care.
Out-of-pocket expense - Out-of-pocket expense is the money you pay before an
insurance company pays for your claim. Your insurance policy may have a maximum yearly out-of-pocket expense. This is the
most you have to pay in a year for using your benefits.
Open enrollment - Open enrollment is the window period, usually once a year lasting for a month, where you can make changes to your
group health insurance plan. Open enrollment is generally a once-a-year period that lets you modify your insurance coverage.
If you give birth to a child or have a change in your marital status, you are allowed another opportunity to modify your health
insurance coverage.
The Impact of Rising Health Care Costs
· National surveys show that the primary reason people are uninsured
is the high cost of health insurance coverage.
· Economists have found that rising health care costs correlate to
drops in health insurance coverage.
· Nearly one-quarter (23 percent) of the uninsured reported changing
their way of life significantly in order to pay medical bills.
· Almost 50 percent of the American public say they are very worried
about having to pay more for their health care or health insurance, while 42 percent report they are very worried about not
being able to afford health care services.
· In a poll conducted by the Harvard School of Public Health, 43 percent
of respondents named high costs as one of the two most important health care issues for government to address.
· One in four Americans say their family has had a problem paying
for medical care during the past year, up 7 percentage points over the past nine years. Nearly 30 percent say someone in their
family has delayed medical care in the past year, a new high based on recent polling. Most say the medical condition was at
least somewhat serious.
· A recent study by Harvard
University researchers found that the average out-of-pocket medical
debt for those who filed for bankruptcy was $12,000. The study noted that 68 percent of those who filed for bankruptcy had
health insurance. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical
expenses. Every 30 seconds in the United States someone files for bankruptcy in the aftermath of a serious health
problem.
· One half of workers in the lowest-compensation jobs and one-half
of workers in mid-range-compensation jobs either had problems with medical bills in a 12-month period or were paying off accrued
debt. One-quarter of workers in higher-compensated positions also reported problems with medical bills or were paying off
accrued debt.
· If one member of a family is uninsured and has an accident, a hospital
stay, or a costly medical treatment, the resulting medical bills can affect the economic stability of the whole family.
· A new survey shows that more than 25 percent said that housing problems
resulted from medical debt, including the inability to make rent or mortgage payments and the development of bad credit ratings.
· Retiring elderly couples will need $200,000 in savings just to pay
for the most basic medical coverage. Many experts believe that this figure is conservative and that $300,000 may be a more
realistic number.
Insurance
Office Contact Information: 18020 Crown Quay Lane Jupiter Florida 33458 E-mail: Keith@KeithMurray.biz Office Phone 561-741-8849
Call me for help with your health insurance and life insurance all over Florida including the following
cities: Alachua Altamonte Springs Anna Maria Apalachicola Apopka Arcadia Archer Atlantic Beach Atlantis Auburndale Aventura
Avon Park Bartow Bay Lake Belleair Beach Belleair Bluffs Belle Glade Belle Isle Belleview Blountstown Boca Raton Bonifay Bonita
Springs Bowling Green Boynton Beach Bradenton Bradenton Beach Bristol Brooksville Bunnell Bushnell Callaway Cape Canaveral
Cape Coral Carrabelle Casselberry Cedar Key Center Hill Chattahoochee Chiefland Chipley Clearwater Clermont Clewiston Cocoa
Cocoa Beach Coconut Creek Coleman Cooper City Coral Gables Coral Springs Crescent City Crestview Crystal River Cutler Bay
Dania Beach Davenport Daytona Beach Daytona Beach Shores DeBary Deerfield Beach De Funiak Springs DeLand Delray Beach Deltona
Destin Doral Dunedin Dunnellon Eagle Lake Edgewater Edgewood Eustis Everglades Fanning Springs Fellsmere Fernandina Beach
Flagler Beach Florida City Fort Lauderdale Fort Meade Fort Myers Fort Pierce Fort Walton Beach Freeport Frostproof Fruitland
Park Gainesville Graceville Greenacres Green Cove Springs Gretna Groveland Gulf Breeze Gulfport Haines City Hallandale Beach
Hampton Hawthorne Hialeah Hialeah Gardens High Springs Holly Hill Hollywood Holmes Beach Homestead Indian Harbour Beach Indian
Rocks Beach Inverness Islandia Jacksonville Jacksonville Beach Jacob City Jasper Keystone Heights Key West Kissimmee La Belle
Lake Alfred Lake Buena Vista Lake Butler Lake City Lake Helen Lakeland Lake Mary Lake Wales Lake Worth Largo Lauderdale Lakes
Lauderhill Laurel Hill Lawtey Layton Leesburg Lighthouse Point Live Oak Longwood Lynn Haven Macclenny Madeira Beach Madison
Maitland Marathon Marco Island Margate Marianna Mary Esther Mascotte Melbourne Mexico Beach Miami Miami Beach Miami Gardens
Miami Springs Midway Milton Minneola Miramar Monticello Moore Haven Mount Dora Mulberry Naples Neptune Beach Newberry New
Port Richey New Smyrna Beach Niceville North Bay Village North Lauderdale North Miami North Miami Beach North Port Oak Hill
Oakland Oakland Park Ocala Ocoee Okeechobee Oldsmar Opa-locka Orange City Orlando Ormond Beach Oviedo Pahokee Palatka Palm
Bay Palm Beach Gardens Palm Coast Palmetto Panama City Panama City Beach Parker Parkland Pembroke Pines Pensacola Perry Pinellas
Park Plantation Plant City Pompano Beach Port Orange Port Richey Port St. Joe Port St. Lucie Punta Gorda Quincy Riviera Beach
Rockledge Safety Harbor St. Augustine St. Augustine Beach St. Cloud St. Marks St. Pete Beach St. Petersburg San Antonio Sanford
Sanibel Sarasota Satellite Beach Sebastian Sebring Seminole Sopchoppy South Bay South Daytona South Miami South Pasadena Springfield
Starke Stuart Sunny Isles Beach Sunrise Sweetwater Tallahassee Tamarac Tampa Tarpon Springs Tavares Temple Terrace Titusville
Treasure Island Trenton Umatilla Valparaiso Venice Vernon Vero Beach Waldo Wauchula Webster Weeki Wachee West Melbourne West
Miami Weston West Palm Beach West Park Wewahitchka Wildwood Williston Wilton Manors Winter Garden Winter Haven Winter Park
Winter Springs Zephyrhills
Health Insurance and Life Insurance for Florida residents in all of the following
counties: Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte,
Citrus, Clay, Collier, Columbia, Dade, DeSoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf,
Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee,
Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceloa, Palm Beach,
Pasco, Pinellas, Polk, Putnam, St.Johns, St.Lucie, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia,
Wakulla, Walton, Washington.
http://www.FLHealthandLifeInsurance.com http://www.KeithMurray.biz http://www.keithmurray.biz/id17.html http://www.treasurecoasthealthinsurance.com http://www.southfloridainsuranceagent.com http://floridahealth.webs.com http://www.freewebs.com/floridahealth/lifeinsurance.htm http://healthinsurance.doodlekit.com/home http://floridahealthinsurance.bravehost.com
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