If you are the decision maker for a Florida business and would like more information on self funded or traditional health plans please call or e-mail for more information.

Understanding Self-Funding
Employers invest millions of dollars each year in insured employee benefit plans, typically affecting the employee's compensation through larger contribution percentages while realizing lower levels of benefits. In an effort to control rising costs, employers are examining ways to economize and improve cash flow without sacrificing coverage. Today, budget considerations, bargaining agreements, geography and plan designs all impact the way a health plan is funded.

For many employers with more than 25 employees and a stable benefit history, there is an alternative to the traditional insured benefit plans: self-insurance. Under a self-insured plan, it is often possible for an employer to reduce operating costs significantly and maintain control of reserves. In this type of program, an employer only funds the claims of their participants and their dependents as claims are incurred. In addition, in order to provide an extra measure of financial protection against catastrophic claims, most self-insured employers purchase stop loss insurance coverage.

Self-funding provides additional benefits as well. Self-insuring their benefit plan affords employers the following:

•   Flexibility in designing a plan that best suits their needs
•   Comprehensive understanding of cost allocation to develop
        a contribution strategy
•   Elimination or reduction of premium taxes

Under a self-insured program, the group medical plan is typically the primary focus. However, other health benefits such as prescription drug, dental, vision and short-term disability are often self-funded to help employers retain full control over the design and management of these programs as well.

For more information please call 561-741-8849 to see if self-funding is an option for your organization.

Call 561-741-8849 for free health insurance price quotes   Keith Murray is a licensed Floirda Insurance agent.   We provide Health Insurance 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 Florida Health Insurance | Florida Life Insurance | Florida Dental Insurance | Florida Dental Insurance - Available to residents in all of the following counties: Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, Dade, De Soto 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, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, St. Johns, St. Lucie, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington. Other websites that may interest you:   http://www.FLHealthandLifeInsurance.com http://www.KeithMurray.biz http://www.treasurecoasthealthinsurance.com/ http://www.FireFighterLifeInsurance.com http://www.FireFighterAnnuity.com http://www.TheCPRSchool.com http://www.AEDDealer.com http://floridahealth.webs.com http://www.freewebs.com/floridahealth/lifeinsurance.htm http://healthinsurance.doodlekit.com/home http://floridahealthinsurance.bravehost.com