Cover Florida Plus.... Health Insurance You Can Afford.

Grandfathered in

2010-06-22T19:45:00.000-07:00

If you hurry and purchase your own individual health insurance plan you can be grandfathered in. meaning all of the new Obama healthcare changes that the insurance companies will be required to cover and all the pre-existing conditions that must be accepted. That will expect the premiums to go through the rough. To meet the criteria of being accepted into the Obama Individual health insurance program you have to go without other coverage for 6 months. How many sick people can afford to go without health insurance for 6 months. Those with children cannot expect to go those 6 months without health insurance coverage. Colds and flu season as well as emergency room visits will not allow you to be uninsured. Do you think Obama stays awake at night thinking about how many people this health plan change is going to effect? NO
Health insurance agencies are downsizing due to the expected cuts in the commissions and loss of groups being covered. Health insurance exchange call centers are being opened and staffed. If you think that you are going to be able to call a local agent that has been in business for years and help your company buy your company or your family individual insurance you are mistaken. You will be calling government employees that will be selling you the plan you chosse being offered by the few carriers deciding to stay in business. The health insurance industry may become the new government automotive like takeover. So even if the health insurance carrier loses money it really does not matter as it is owned by the government and they have access to your tax dollars.

Guaranteed Individual Health Insurance under Obama

2010-06-02T18:02:00.000-07:00

It sounds bizarre for me to even type this heading as it has NEVER been true. Even under the Cover Florida plan there was always some crack or loop hole to keep people from getting coverage by the carriers, set by the state of Florida. Not to mention it was never a fully comprehensive health insurance plan to begin with. United Healthcare and Blue Cross & Blue Shield dived in to take on most of the risk knowing that there is very little risk in a LIMITED BENEFIT plan. Even the name tells you there are limits to what will be paid and/or how much will be paid. The actuaries or the wizards of ROI for the insurance companies, calculate the amount of a procedure or service and how many people of a demographic utilize that service. They then set their pricing to account for that potential cost plus, plus, to include worst case scenario and still make a profit. Presto you have under a slick name the Cover Florida plan, a common side of the road cheap insurance plan pushed out to the public through political advertising for the good of the uninsured. The people that are truly uninsured this plan would not help them stay out of debt or bankruptcy on major claims.
BUT........
As of 2011 Obama is pressuring the individual health insurance carriers to take ALL people that have not had insurance for the last 6 months. Regardless of what you have or are being treated for. That is fantastic but then you think well they will just charge those particular people outragious premiums so they can't afford to buy it, protecting the insurance carrier from high dollar claims. Under the New Obama healthcare law they CANNOT do that. The health insurance carriers have to stay within certain parameters on their entire book of insurance business premiums. Any spikes are not allowed. So then we can expect the health insurance carriers to file for huge rate increases in 2011. Since that is when they know this law will truly impact their chances of getting high dollar claims coming through the door. Obama once again has shut this down. The health insurance carrier have to submit for a rate increase to the state of Florida with data supporting why they would need this increase. Even thought these are individual companies they are governed by the state to regulate pricing. So if the state of Florida decides to deny or partially approve a percentage of a rate increase to premiums. There is nothing the health insurance company can do. So then what?

1. Health Insurance Company pulls out of the state of Florida with a 12 month run-off to existing clients to allow them to find other coverage. Not accepting any new policies to be sold.
2. Health Insurance Company stays in Florida and rides out the price denial hoping to get price increases through the year or be subsidized by the government, which has not been mentioned.

Or the 3rd and scariest of them all.
3. The insurance companies place a freeze on selling new policies until pricing can suit the cost of doing business for the companies.

In the Obama health legislation it is stated in fancy words that carriers will be required to spend 80% of a $1.00 in premium on medical expenses versus the current 40-50%. That means that most avenues of purchasing insurance through agents earning commissions will need to be removed if not eliminated. Leaving individuals to shop online without direction or personal contact. These may be part of the new national health insurance program. Where health insurance agents who currently work for themselves are forced to now work for the state, city or county to offer assistance in buying insurance.

Take a moment and think when we said computers could never do my job. The government could never run a national health insurance program. Never say never.

No Coupons needed for saving money here

2010-05-25T07:01:00.000-07:00

More and more people are unemployed for one reason or another and are looking for ways to save money. Many are cutting back on spending, starbucks coffee is not so important everyday. Reducing the amount of cellular plans or cable television packages. Calling your carriers can help to save you money by just asking. Verizon cellular gives a 10% discount on your bill for upto 6 months. Some are choosing to drive less if it is an option and hold meetings online. The most popular thing is cutting coupons from stores you use or from manufacturers directly. Some stores like Target give you an extra 10% if you use their card linked to your own bank account, like a target only debt card. USing large wholesale stores like Sam's and BJ's is popular too. BJ's will take coupons and give people their own store coupons as well. For large families this is the best of both worlds, buying in bulk to save money and multiple coupons can be used.

The last thing you can review is your health insurance. If you are paying $100-$150+ a month you may want to shop for an individual health insurance plan versus a company plan. Many group plans look the same for individuals to buy for much less because they can be selective at the moment and take healthy low cost people to insure. When the new health national health regulations are imposed which is coming, sooner rather than later, all pre-existing conditions will have to be accepted. You can expect prices will increase but those in the system will more than likely protected from large increases, grandfathering you in. GoldenRule, also known as United HealthOne, is United Healthcare that is sold to companies for individuals. Florida has been one their top selling states for several years becuase of the amount of plans they offer, network available and of course PRICE! If you are not covered by them or have not checked the pricing in awhile you should do so. Blue Cross & Blue Shield is very popular too but many complain of large rate increases once they have signed up. So check for yourself,
http://www.coverfloridaplus.com/
and save your family a little more cash.

If you do have some additional money by cutting back take time to check out the theme parks in Florida. Many like Walt Disney, Epcot, Sea World, and Busch Gardens are offering packages that are the lowest we have seen in awhile for Florida Residents. Many of the parks are pushing annual passes for a few extra dollars since park attendance is down.

Supporting the Military men & women, Letters from Home

2010-05-20T07:42:00.000-07:00

We live in America as a free country. We all should be very proud and count our blessings. If ever you think that our freedom to be bored or busy, act smart or stupid comes without someone else sacrificing their life. Watch this.

http://www.tangle.com/view_video.php?viewkey=665ce8623e36bd4e3c7c&sp=1

Mark Schultz Letters from Home ......video.

grab a tissue. you will need it.

Allow me access to healthcare

2010-05-18T18:52:00.000-07:00

This agency has sought to assist people that could navigate the Internet on their own and purchase medical insurance for themselves. "IF ONLY THEY COULD!"

"NOW YOU CAN!" It is required that a licensed health insurance agent be put into the process. That is where we are involved but only at that level. Most of the clients we have never needed our assistance and could read the benefits and the language for themselves. We supplied the site and the license to allow them to by the plan or their choice at the price they could afford. It is just that easy. Cheap medical individual polices are not what we offer. We offer you the choice to pick what fits your families needs as well as budget. www.coverfloridaplus.com

Third party true story-
Husband loses job and cannot afford the cobra payments. His wife and himself go without coverage for several months. He finally obtains a job and is able to purchase an individual policy for his spouse while he is in the companies probationary period. They cannot afford the couples premiums. The husband while waiting to get insurance has a kidney stone that the physicians say needs surgery. The surgery is postponed time and time again, though he is in excruciating pain. He cannot miss work as he has just started the job and is afraid to lose it, not to mention they need the money. He then is scheduled to get the surgery and is not postponed. Coincidentally that is when his insurance went into effect.

Moral of this true story maybe it is better to have crappy insurance to get you in the door rather then being postponed until you can get it. According to Obama there will be a 6 month waiting period where you cannot be insured prior to obtaining the national plan.

If you have insurance you can sleep well, or can you, knowing others cannot.

www.coverfloridaplus.com

What happens when Charlie Crist is gone?

2010-05-17T14:27:00.000-07:00

The program that was started under the direction of Charlie Crist "Cover Florida" was supposed to help insure all those Floridians that did not have coverage. The program were supposed to cover the people with Pre-existing conditions. Here we are with less than 1% of Floridian's on the program much less aware of what it is. It was not paid for by the tax payers but by the insured themselves. The plans covered very little but made the carriers that offered them profits. The main carrier driving this was, the not for profit, Blue Cross & Blue Shield of Florida. That is the same carrier that assisted the state run plan in Massachusetts. Funny how that has turned out to be the one of the most expensive premiums of all the states because everyone is required to be insured.

So Charlie Crist is leaving his "Cover Florida" program without any changes or expected hype. I feel that we will see this turn into the national Obama plan in the future. Since there is already an outlet or should I say an organized path to release this to the public, it will allow for easy penetration to the insurance carriers and agents.

Good Luck to us all since less than 1% of all Floridians enjoyed this "Cover Florida" program I can only how fabulous this will be for our nation. I support the efforts but the product is not everything it should be.

www.coverfloridaplus.com

take control of your life.

SAVE Money on Health Insurance now

2009-11-23T08:56:00.000-08:00

Individual Health insurance is the least expensive form of Health Insurance a person can buy if they are HEALTHY. That is the key!

This is great for kids and college students because of the cost being so cheap. They can enroll online in a few minutes complete an application and do not need to take time out of their busy days to sit with anyone. If you can shop on Ebay or surf the web you can buy your own health insurance.

We save you time and help you choose the correct plan for you and your family. This takes only a few minutes, no labwork or physicials needed.

www.coverfloridaplus.com

Obama Insurance

2009-11-23T08:29:00.001-08:00

Being in the insurance world I get questions here recently of what I think will happen. I do not know as I am not in the decision making seat but what I can tell you is from past experience. Insurance agents have been around a long time. We find new products to offer and fill those voids that insurance was supposed to cover. It never fails a new insurance creates a new hole for Insurance Agents like myself to continue to help the public.

Today- If you are healthy, good weight, non-smoker, without any medical issues you should buy United HealthOne (also known as GoldenRule). Very inexpensive and easy to purchase online from http://www.coverfloridaplus.com/. United HealthOne is also known as United Healthcare in company insurance and has a great national network of physicians and hospitals. We have narrowed down the selection and offer other companies to help save you time. The monthly premium can be drafted from your bank account or you can use a Credit Card. Normally takes just a few days to have the insurance in place.

This is great for College Students! In some colleges it is required that they have health insurance.

These are the best rates!

Insurance for ALL

2009-08-27T07:33:00.000-07:00

Sarasota, FL (PRWEB) August 26, 2009 -- In these financially difficult times companies are looking to cut costs, and health insurance is where most companies are doing it. Not offering company health insurance, or choosing to only cover the employee, is leaving many without insurance. The spouses, dependents, part-time employees and those in the waiting period to get insurance are being left without options. Employees that were laid-off may obtain Cobra but when that comes to an end there is uncertainty about continuing coverage.

CennairusOne understands the challenges of obtaining health insurance and wants to help people and their families. CennairusOne empowers the consumer to shop for individual insurance coverage online and in the privacy of their own home. CennairusOne offers counseling, through the toll-free number, to walk clients through the specific plan that would best suit their needs and budget. Price is always important and CennairusOne is seeing many individual insurance policies starting as low as $48 per month for a single person. Prices vary depending on benefits, carrier and individual health conditions.

CennairusOne works with well-known national insurance carriers. CennairusOne prefers not to offer limited benefit plans. A limited benefit plan will only cover certain benefits up to certain dollar amounts and will stop paying at $10,000 or $25,000. These plans are not for everyone and when explained to the individual, CennairusOne normally will see the client shift to an Individual health plan.

CennairusOne also caters to the self-employed small business owner and 1099 employes. These clients find it impossible to obtain affordable group coverage. CennairusOne can offer multiple individual policy options.

CennairusOne also offers a Prescription Drug Discount Program Card that can be printed online. It is free to join this program and can be used at 54,000 pharmacies. The pharmacies use the Bin# and do not need a card, so a printed copy works well.

CennairusOne wants to help the uninsured and the underinsured nationally.

http://www.CennairusOne.com

Stop Government Healthcare HR 3200- Protect Yourself

2009-08-20T14:00:00.000-07:00

In these financially difficult times companies are looking to cut costs, and health insurance is where most are doing it. Not offering company health insurance, or choosing to only cover the employee, is leaving many without insurance. The spouses, dependents, part-time employees and those in the waiting period to get insurance are being left without options. Employees that were laid off may obtain Cobra but when that comes to an end, they are uncertain as to what they can do.
CennairusOne understands the challenges of obtaining health insurance and wants to help these people and their families. We empower the member to shop for their own individual insurance online and in the privacy of their own home. We then offer counseling, if needed, by a licensed agent to walk them through the specific plan that would best suit their needs and budget. Price is always important and we are seeing many individuals obtaining insurance in the price range of $100-$150 per month. Obviously the prices vary depending on benefits, carrier and individual health conditions. The companies we work with are well-known national insurance carriers and not limited benefit plans like Cover Florida.
The Cover Florida plan has driven a lot of business to CennairusOne because consumers expect that Cover Florida is for everyone. The confusion is that the plan is not a complete medical plan. It is a limited benefit plan, meaning it will only cover certain benefits up to certain dollar amounts and will stop paying at $10,000 or $25,000. These plans are not for everyone and when we explain the Cover Florida plan is limited, we normally see a shift to an Individual health plan.
CennairusOne also offers a Prescription Drug Discount Program Card that can be printed online. It is FREE to join this program and can be used at 54,000 pharmacies whether you have insurance or not. The pharmacies use the Bin# and do not need a card, so a printed copy works well.
CennairusOne wants to help the uninsured and the underinsured nationally. Please take a moment and visit http://www.CennairusOne.com

By Chad Mitchell
CennairsOne President

Size does Matter!!

2009-08-04T21:35:00.000-07:00

CennairusOne offers individual health insurance as well as, life, annuities, worksite products, Medicare plans and group health insurance. This is the agency that supports this website www.CoverFloridaPlus.com. We also can assist in obtaining Workers' Compentation for your company.

The Cover Florida product is misleading as it is not easy to qualify for and is not full blown medical insurance. These are LIMITED benefit plans. That is why we want to help you shop for what fits your size group or medical situation.

What I have found is that most people looking at the Cover Florida plan have been shot down by agents because it is not profitable. and with a little research some options can be found. This will be a great assistance to those people that are shopping for Individual Medical insurance but could qualify for a group health plan. Needing this help some agents are not able to assist because a 2 or 3 life group does not pay normal commissions, very reduced $3.15 a month.

What we see is that a 2 or 3 life company may needs workers'compensation as well as health. We are willing to work with these companies in the lean times, not just in the good times. This company may grow to be 5 to 10 employees when the economy changes. Then agents fight to be this clients agent.

www.CoverFloridaPlus.com

XXX Cost per Click using sex for #1 ranking

2009-04-29T12:29:00.000-07:00

Beware some SEO optimization links or directs porn sites to your website for a cost and you WILL be ranked #1 on the Google list. Example: 300 XXX porn sites link or direct clients to visit your site for whatever reason. BOOM you get a zillion hits. BUT who do you want going to your site? Perverts??? Do not fall into this trap http://www.coverfloridaplus.com/

New Website going live BEST SEO IN FLORIDA

2009-04-29T12:08:00.000-07:00

after months of adwords money, google submissions, and banging my head against the wall I hired the BEST SEO and WEBSITE DESIGNER. He does work for celebrities to landscapers and is the best of the best. Everything I have learned and read of SEO he hits and is able to show how some of what is out their on YOUTUBE is crap.

Example of SEO hype from You Tube
1. have as many sites linked to you as you can, Oneway and two-way links.
Crap- if they leave your site you loose, if you don't sell it or have it let them find that site themselves. Let that sight pay for the click. they are dragging you down.

check out my site and see if it does not do this

1. visually appealing without clutter- You can find the name of the company
some sites are so cluttered and fonts conflict you can't find th name of the company.
2. enough info for you to understand and see if you need more
3. easy to follow flow to site
4. not 50 screens of crap-ola to try and help you. If you wanted that you would read a book. A tax return is only a few pages and most people need help with that ( turbotax)

www.coverfloridaplus.com

Health Insurance gets you a pay raise upfront

2009-04-29T12:00:00.000-07:00

after being laid off as a lot of people have recently. There was a rule change that made the terminated employee eligible for 9 months of partially covered by the employer health insurance coverage. (65%) So if the company was picking up 75% of the premium for you they would still be paying 65% for you for the next 9 months. After that you are on the hook for the full Cobra premium.
That is where I come in and can assist you in shopping the major health insurance carriers that companies buy groups policies from but this would be a policy just for you and your family, if needed.
You get to decide if you want deducibles or not, how high or low the deductible is, copays or not, prescription or not and it is yours to keep forever. No time limit or run out period.

Some people keep their policy when they go back to work for companies an opt for a pay increase since they have their own insurance.

Think about that discussion at a job interview. I will take the $400 a month you would spend on my health insurance in my salary now and you normally get a rate increase of 20% so you can look to do that at my annual review too, right.

Zig Ziglar comes to Florida

2009-04-23T09:38:00.000-07:00

If you would like to see the Guru of sales and motivation Zig Ziglar will be in Florida in May.
Contact us at http://www.coverfloridaplus.com/
for FREE tickets, times, dates.

best phrase from Zig Ziglar

"You were born to win,
but to be a winner you must plan to win,
prepare to win, and expect to win."

We bought the tickets to help people, help themselves.

Pornsite for SEO Optimization

2009-04-20T09:45:00.000-07:00

Beware some SE optimization links or directs porn sites to your website for a cost and you WILL be ranked #1 on the Google list.

Example: 300 XXX porn sites link or direct clients to visit your site for whatever reason.
BOOM you get a zillion hits.

BUT who do you want going to your site? Perverts???

Do not fall into this trap

http://www.coverfloridaplus.com/

SEO Optimization

2009-04-20T09:41:00.000-07:00

What is the deal with SEO optimization/ website designers?

shouldn't the person building the site be doing SEO so that when Google scans the site it picks up the format and wording. If you have to many words they miss you. If you have to many pages theymiss you. If you don't have the right ords they miss you. If you have or don't have links they miss you.

IF you have flash, color and fonts but Google hates your site then who cares?

why can't webdesigners also do SEO. I was given bad information and being a self taught SEO person means I know nothing.

http://www.coverfloridaplus.com/

Google Adwords Not working

2009-04-20T09:37:00.000-07:00

Am I the only one that has a campaign with 3 different ads to rotate. I have not even had 1 impression. IMPRESIONS are free.

I put $5.00 a day for a budget and allowed google to optimize.
then put it at a $1.00 a BPC.
1000 best picked words.

what the heck?

http://www.coverfloridaplus.com/

Any ideas of how to advertise low cost insurance via the internet that people can afford without headaches?

Gov Charlie Christ Cover Florida

2009-04-06T21:04:00.000-07:00

www.ineedhealthinsuranceinFL.com has coast2coast prescription discount RX card and Cover Florida as well as shop individual health insurance. Cover Florida was pushed by Gov. Charlie Christ.

www.coverfloridaplus.com shop insurance and get the option of Coast2Coast as shown on ABC News. There is a new prescription discount card available nationally but has just come to the bay areas attention by being on ABC News. It is free to those that qualify. Coast2Coast is not an insurance company but has negotiated pricing with most of the big pharmacy chains. www. cover florida plus .com

visit www.coverfloridaplus.com to get the new Coast2Coast prescription discount card shown on ABC News. There is a new prescription discount card available nationally but has just come to the bay areas attention by being on ABC News. It is free to those that qualify. Coast2Coast is not an insurance company but has negotiated pricing with most of the big pharmacy chains. Coast2Coast allows you to print the card

Moxie of Sarasota- womans group

2009-04-06T21:00:00.000-07:00

Moxie of Sarasota was given this information to pass out to other Moxie's in Florida. WWW.Coverfloridaplus.com can help dependents, spouses, and those that cannot afford Cobra.

Now they can go to moxieask.com too on facebook

Coast2coast is a great discount card shown on ABC news channel 10
Print FREE card
go to www.coverfloridaplus.com

or view

www.ineedhealthinsuranceinFL.com

RX card Coast2Coast

2009-04-06T20:59:00.000-07:00

on ABC News Channel 10
visit www.coverfloridaplus.com to get the new Coast2Coast prescription discount card shown on ABC News. There is a new prescription discount card available nationally but has just come to the bay areas attention by being on ABC News. It is free to those that qualify. Coast2Coast is not an insurance company but has negotiated pricing with most of the big pharmacy chains. Coast2Coast allows you to print the card

Coast2Coast RX shown on ABC News 10 Channel

2009-04-06T20:58:00.000-07:00

www.coverfloridaplus.com shop insurance and get the option of Coast2Coast as shown on ABC News. There is a new prescription discount card available nationally but has just come to the bay areas attention by being on ABC News. It is free to those that qualify. Coast2Coast is not an insurance company but has negotiated pricing with most of the big pharmacy chains. www. cover florida plus .com

Daughter head injury

2009-04-06T06:39:00.000-07:00

My 20 month old daughter was running in her bedroom and tripped. She caught the bottom of her dresser and split her head just over her eye in her eyebrow line. At first it was an immediate goose egg but then the blood started gushing. It was about an inch long and deeper than a paper cut for sure. My wife and I in a panic rushed her to the local emergency room thinking stitches were coming.

To our surprise my daughter was playing about 15 minutes of injury while my wife and I were still shaken from the experience.

At the emergency room it took a little while to get back but once back in the curtain drawn privacy room they cleaned her gash and used a glue instead of stitches. Dermaglue.

It looks like grape jelly on her eyebrow. The glue will wear off in about a week and should rsult in hopefully no scarring.

The trauma to us was unbelievable. The Emergency Room copay was $100.

Florida Health Insurance by County

2009-04-05T21:45:00.000-07:00

www.coverfloridaplus.com
Florida Health Insurance, Affordable Health Insurance, and Health Insurance are top words in the insurance field.
Main counties that search for this is Orlando, Miami and Tampa.
We offer a Free quote tool that can afford you to shop for yourself.
Be proactive for your health and your families too.

Florida Health Insurance is offered in the following counties

In 1821, there were only two counties in Florida: Escambia to the west and St. Johns to the east. From these two counties were formed 67 today.This is a list of 67 counties in the U.S. state of Florida. The links in the column FIPS County Code are to the Census Bureau Info page for that county.

Alachua
Baker
Bay
Bradford
Brevard
Broward
Calhoun
Charlotte
Citrus
Clay
Collier
Columbia
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
Miami-Dade
Monroe
Nassau
Okaloosa
Okeechobee
Orange
Osceola
Palm Beach
Pasco
Pinellas
Polk
Putnam
Santa Rosa
Sarasota
Seminole
St. Johns
St. Lucie
Sumter
Suwannee
Taylor
Union
Volusia
Wakulla
Walton
Washington

High shopping areas for Health Insurance, Affordable health insurance and Florida Health Insurance is
Orlando, Tampa, and Miami
Why is that?? Are there no people in any of the other 64 counties?

Florida Affordable Health Insurance

2009-04-05T21:44:00.000-07:00

www.coverfloridaplus.com

Finding affordable health insurance is almost impossible. It depends on what county you reside in Orlando, Jacksonville, Miami, Tampa being main cities are not any better priced versus what you would think. Population does not neccessarily impact rates by the insurance company.
Affordable health insurance is also dependent on whether you are "Healthy" for what an insurance company considers "healthy". For instance most companies think that a diabetic is unhealthy. Finding affordable health insurance as a diabetic is is one tough chore, but there are some carriers that will look deeper and ask questions to see if you are monitoring you blood sugar etc. That may allow them to consider you versus an immediate decline.