Individual Health Insurance Plans

An individual health insurance plan pays for a person's health care in his time of need. However, buying an individual policy might be a difficult endeavor, and one should consider the cost before purchasing an individual policy, as the premium on this type of plan is usually higher than with a group policy. Sometimes people also get baffled because of the insurance purchasing process, which involves many people, including the customer, agent, and underwriter to the insurance company. Therefore, to make the buy easy, one should learn more about the process of buying an individual health insurance plan.

Individual insurance policies are distinct from group policies in the nature of evidence of insurability. An individual can purchase a policy by answering a health questionnaire and undergoing a medical examination to provide evidence of insurability to the insurance company. An insurance company may decline a policy on the basis of the applicant's lifestyle, health, medical history, age, income or other factors that bear on risk acceptance. On the other hand, most group insurance does not require a medical examination or other evidence of individual insurability.

One can buy individual health insurance plans under federal and state government-sponsored programs such as Medicare and Medicaid, service-type plans such as Blue Cross/Blue Shield, or through alternative health care systems such as health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Policies can also be purchased through mass purchasing groups such as credit unions and professional or trade associations.
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However, before purchasing an individual health insurance plan, one should research policy options online to compare dozens of plans side by side, and should choose a health insurance plan that balances cost and coverage offered by a policy.

Health Insurance Plans provides detailed information on Health Insurance Plans, Individual Health Insurance Plans, Compare Health Insurance Plans, Family Health Insurance Plans and more. Health Insurance Plans is affiliated with Health Insurance Online Quotes.

Florida State Health Insurance

Florida state health insurance is the best solution for people who are denied sufficient insurance coverage due to their medial conditions. This is an affordable health insurance plan initiated by the Florida Legislature. The flexibility of state health insurance is far superior to the normal choices like individual health insurances and group health insurances. Most programs in Florida state health insurance provide coverage at affordable rates that can well fit the budgets of all qualifying Floridian families.

For people who have low income, Florida state health insurance has the Medicaid program that they could possible qualify for. Your local Division of Family Services office will provide the necessary information and the prescribed application form. Interesting thing here is the number of people who would actually qualify for this service but most people think they would not. The program requires filling out an application and providing some documentation about your finances. The policy issued by this program covers medical expenses of the entire family, including dental work, eye care, doctor visits, emergency care, and prescription drugs.
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For people with children who do not get coverage through their employment, Florida state health insurance has programs to insure the health of children. One of the programs is the Florida Healthy Kids Corporation (FHKC), which provides private sector health care coverage to uninsured children in 24 counties using school districts as large risk pools. Child plans cover a full range of services from regular check-ups, preventive care, immunization, lab tests, to hospital visits and other related expenses. Besides, the State of Florida extends Medicaid coverage to children aged between 15 and 19 with family incomes up to 100% of the federal poverty level (""Waxman Children"").
Tip! You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you.

Florida state health insurance plan is also open to "federally eligible individuals" as defined by the Health Insurance Portability and Accountability Act 1996 (HIPPA). The act protects health insurance coverage for you and your family when you change or lose your job.

Florida state health insurance policies have been designed to give relief to families who do not qualify for highly rated health insurance programs nor have the ability to pay the expensive installments of private insurance.

Florida Health Insurance provides detailed information on Florida Health Insurance, Florida Group Health Insurance, Florida Health Insurance Company, Florida Individual Health Insurance and more. Florida Health Insurance is affiliated with Illinois Health Insurance Plans.

Florida Small Business Health Insurance

Florida small business health insurance policy is easier to qualify for than an individual health insurance policy, even if you are not in the best of health. There are different health insurance laws concerning Florida small businesses. These laws require Florida health insurance companies to sell any small business a group health insurance policy. The State of Florida defines small groups as firms with at least 2 employees but not more than 50.

In order to qualify for Florida small business health insurance, an employee must meet certain eligibility requirements. The employee should be employed under an employer who runs a legitimate company. Government rules prevent health insurance firms from denying insurance coverage to individuals within small group policies. Additionally, as a security for groups insured under Florida small business health insurance, the state health insurance rules do not permit plans to be canceled as one among the insured individual's might require it.

A small business medical insurance policy has countless advantages. In addition to providing the best medical care for business owners and members (employees), Florida small business health insurance plan lowers the financial risk of individual members. Lower premiums and widespread coverage are some of the salient features of these types of policies.
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The price of Florida small business health insurance is based on a standard rate, which is an average of the risk associated with each individual in the group. Within a small business health insurance plan, individuals can pay up to 15 % more or less the standard value, depending on their medical conditions. Healthy individuals could end up paying more in a small business health insurance scheme than on an individual health insurance scheme. This is because the composition of the whole group determines the rates.

Florida Health Insurance provides detailed information on Florida Health Insurance, Florida Group Health Insurance, Florida Health Insurance Company, Florida Individual Health Insurance and more. Florida Health Insurance is affiliated with Illinois Health Insurance Plans.

Florida Individual Health Insurance

Florida individual health insurance refers to the individual health insurance plans offered by the Florida health insurance companies for the residents of Florida. Individual health insurance is an ideal option for one whose employer doesn't provide health coverage, or if you or your dependents are not properly covered by the present group policy. According to the individual health care plan the insurance company offers health care protection for only one individual, or family.

Today, there are several Florida individual health insurance providers offering various health insurance schemes. There are mainly two types of Florida individual health insurance policies - major medical insurance and disability insurance. Major medical health insurance offers wide coverage for most types of injuries and illnesses, even though coverage for some conditions is excluded. Disability insurance, sometimes called income replacement, provides coverage for the period when you are unable to work because of disability such as illness or severe injury.
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Individual health insurance policies are generally more expensive when compared with group insurance. But that doesn't mean it can't be affordable. Signing up a policy which specifies your Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) will help you to get a lower-priced services and lower deductibles. You may also be able to save on individual health insurance costs by taking advantage of government sponsored services like Medicaid, Medicare, and those for children, women, and teenagers.

One can directly apply for an individual health insurance policy from a Florida individual health insurance company. In most cases, the insurance company will provide a questionnaire for you to complete, asking various questions about your current and past health history. After determining your risk, the company will set a premium.
Tip! Re-evaluate your options every year. (Your health insurance needs will change from year to year along with changes in your financial situation and natural family life cycles.

Florida Health Insurance provides detailed information on Florida Health Insurance, Florida Group Health Insurance, Florida Health Insurance Company, Florida Individual Health Insurance and more. Florida Health Insurance is affiliated with Illinois Health Insurance Plans.

Florida Health Insurance

Florida health insurance refers to insurance offered by health insurance companies for the residents of Florida. The insurance provider may be a government agency or a private organization. According to the plan chosen, the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents.
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Florida heath insurance companies mainly offer two types of insurance - indemnity plans and managed care plans. With indemnity plans, the insurer reimburses the insured for medical expenses no matter who provides the service. The indemnity category includes three different plans, which include reimbursement of actual charges, reimbursement of a percent of the actual charges, and indemnity. With the first plan, the insurance provider will reimburse for the total cost of the service, the second plan covers a percentage, while the indemnity will cover a definite amount daily for a specified number of days.
Tip! I would have to shop for a health insurance provider covering North Carolina.

There are mainly three types of managed care plans - HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and POSs (Point of Service plans). According to the HMO plan, the insured has to pay a flat monthly rate. PPOs are paid on a service-by-service basis. PPOs are usually sponsored by insurance companies or employers who reimburse the insured for the service. In a POS plan the insured pays a small co-payment as long as the service provider is a part of the network.

The rates for Florida health insurance vary from one insurance company to another. It is advisable to compare various insurance providers before selecting any particular health insurance plan. Most of the insurance companies also offer online insurance quotes. This helps the customers to select the ideal insurance policy that suits them the best.

Florida Health Insurance provides detailed information on Florida Health Insurance, Florida Group Health Insurance, Florida Health Insurance Company, Florida Individual Health Insurance and more. Florida Health Insurance is affiliated with Illinois Health Insurance Plans.

Florida Health Insurance Quote

Florida health insurance quote offers the consumers the information and financial flexibility they require to make a knowledgeable choice regarding the health and care of them as individuals, as well as of their families. While, company credit and comfort with one's policy are significant, most often, health insurance purchases in Florida depend very much upon the quote, upon the price.

Consumers in Florida recognize that obtaining a Florida health insurance quote is the best method to find the finest deal on medical insurance. During a medical crisis, having the certainty of a low cost health insurance can provide the individual a calm mind, which truly adds good health.

Concerning the actual quote obtained for health insurance, it is essential to compare similar policies. The consumer should carefully understand what is covered in each policy, as well as costs at the times of a scheduled doctor appointment or, in case of exigency, at the hospital. Besides, there are countless other issues when deciding which plan may be right for you and your families, such as payment for pregnancy and pre-existing conditions.

There are many organizations in Florida, providing individual or group health insurance quotes to cater to a variety of situations. The individual health insurance quotes are appropriate for students, early retirees and a good option instead of COBRA. Most such quotes go far beyond just policies and price.
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Each organization has vast number of quality minded and carefully selected health insurance companies, affiliate agents, and provider networks throughout the state. Both long term individual health insurance quotes and quotes for short term (temporary health insurance) are available. Besides, they offer low cost, affordable health insurance quotes. The online quoting service makes receiving a health insurance quote quick and trouble-free.

It is important to fully comprehend the particulars surrounding your health insurance quote, because policies are as diverse as the individuals who need them. The particulars include what may be required of you, initially or at the time of service, as well as what may be required of your health professionals.

Florida Health Insurance provides detailed information on Florida Health Insurance, Florida Group Health Insurance, Florida Health Insurance Company, Florida Individual Health Insurance and more. Florida Health Insurance is affiliated with Illinois Health Insurance Plans.

Florida Group Health Insurance

Florida group health insurance is designed to meet the health care needs of employees of small and large companies in Florida. Most companies establish a group health insurance plan to provide health insurance protection to its employees. However health insurance plans are not limited to employers; many different groups such as chambers of commerce, clubs/organizations, special interest groups, church/religious groups, and trade associations can also arrange group health insurance for their members.

Florida group health insurance enables the employees to receive private medical treatment quickly without any cost. This ensures that the employees need not have to wait for long time and go through undue suffering to get the medical treatment. According to Florida group health insurance, if the employer offers group health plans paying only a portion of the premium, then the employee is responsible for the rest. This is applicable for family and individual coverage.
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Florida group health insurance has many benefits to both the employer and the employees. As the insurance plan will take care of the health care of the employees, the employer need not have to spend time worrying about the medical treatment of the employees. Being members of a Florida group health insurance plan, the employees receive many valuable benefits. The employees need not have to pay out huge amounts for premium to join a medical insurance plan. The employees also need not have to worry about their medical treatment facility, as expert medical help is always available for them immediately according to the plan.
Tip! Self-Insured/Uninsured. People with no insurance,and people who have health insurance but are responsible for paying 100% of the insurance premium.

Florida group health insurance is also less expensive when compared with individual health insurance. This is because in a group health insurance plan the financial risk of the health insurance company is spread amongst the entire group, rather than on an individual.

Most of the Florida group health insurance plans offer flexibility to companies in choosing the one that suits them the most. Companies generally offer its employees several plans to choose from. It is better from you part to select a good plan which provide maximum benefits including coverage for doctor visits.
Tip! Determine what other important features of health insurance coverage you need.

Florida Health Insurance provides detailed information on Florida Health Insurance, Florida Group Health Insurance, Florida Health Insurance Company, Florida Individual Health Insurance and more. Florida Health Insurance is affiliated with Illinois Health Insurance Plans.

Family Health Insurance Programs - How Can I Find Affordable Family Health Care Insurance?

The importance of family health insurance programs is paramount. If a family has coverage for the children only and one or both parents suffer an illness, it is quite possible that the adult will delay medical treatment due to the rising cost of health care. Due to this decision, they put their health at severe risk potentially leading to a life threatening illness or the inability to work and/or care for the children. For this reason as well as several others, it is important for a family to consider health insurance coverage for all members.
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What types of programs are available for family health insurance?

Family health insurance programs have changed from indemnity plans to managed care plans. The difference between them being indemnity insurance would allow you to go to a medical professional of your choice and both the patient and insurer would pay a portion of the bill. With managed care plans you have different options available such as, Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), and Point of Service plans (POSs). Each of these plans offer different types of benefits and it is important to research what they offer and match them to the needs of your family.
Tip! Insurance Company – There are many reliable insurance companies in the health insurance industry use their quotes to compare coverage.

Family insurance plans differ in both the amount you will be required to pay and the type of services offered. It is essential to know exactly what you need and to be careful not to purchase a plan that offers services that will not be of benefit to your family. As with your growing family, insurance plans change from year to year so it is imperative to review the coverage you selected periodically.

Where can you find family insurance programs?

There are different types of policies available such as group and individual plans. You can learn more about group plans that cover insurance for your family through your place of employment or talking with a friend or family member who already has this type of coverage. With a group plan, you can choose the appropriate policy for your family and if necessary change it once during the open enrollment period (within 12 months of acquiring the policy). It is important when making your decision that you choose exactly what is best for your family because once you do you have to stay with that plan for the next year.

You may work for a company that does not offer group plans or are self-employed. In this situation, you can look into individual policies. These types of policies are normally more expensive than group plans so do your research wisely. In addition, if you are a member of an organization consider contacting them. Often times they offer health plans for their members.
Tip! Free – for – service insurance also known as indemnity insurance this is a traditional type of health insurance that pays the portion of each medical service you get like doctor's visit and hospital stays while you pay the remaining costs. Premiums are higher than the other policies.

What is the importance of pre-existing conditions?

Whichever plan you choose the insurance provider will inquire as to any pre-existing conditions. A pre-existing condition is an illness or injury that you or a family member have been treated for prior to applying for the current insurance program you are interested in. The rules are changing regarding pre-existing conditions. In the past, there would be a waiting period before receiving insurance coverage for a pre-existing condition. Today insurance companies may choose to cover a pre-existing condition without a waiting period depending on the coverage you had with another plan. If you were not you may be required to go through a waiting period.
Tip! Seniors 65 years of age and over. People in this category are usually covered by Medicare, a health insurance program of the federal government.

Do not settle on the first plan you encounter during your search of family health insurance programs. Take your time, research, and talk to co-workers, friends, and family. When you have made your decision relax in knowing the best insurance for your family is in place.

Here are some more articles on Health insurance brokers and Health Insurance Benefits.

Health Insurance Software

Health Insurance Software programs are designed to help insurance providers manage their business by providing everything from the dissemination of quotes to keeping track of every customer's file and having it available whenever needed. You can view a customer's file in a matter of seconds and find out see everything that's in their file.

On a larger scale program, such as IMaCS, the program helps various hospitals and physician groups collect what is rightfully theirs from Managed Care Organizations, Medicare, Medicaid, and Workers comp. ImaCS has functions like an automated reimbursement verification process. It helps reduce time-to-collect, and pinpoint areas of profit and loss. It also helps negotiate for more profitable rates and terms and writes down accounts receivable at Bill Drop. This saves great amounts of time (and therefore money) on the negotiating process for the client.

There are also websites that will help you find the right health insurance policy to suit your needs. The InsuranceWebFinder.com Advantage has collaborated with InsureMe to take the hassle out of shopping for health insurance. You simply fill out a questionnaire, and you will be matched with some of the best agents in the business. This will be followed with as many as five quotes from agents in your area who will give you options to compare. Once you have compared options, you can narrow down the list to one or two or perhaps three, and contact each of the agents individually for a more in-depth investigation into the viability of the policies.
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Insurance Software provides detailed information on Insurance Software, Insurance Billing Software, Health Insurance Software, Litigation Insurance Software and more. Insurance Software is affiliated with Stock Trading Software.

What Every Employer Should Know When They Can No Longer Offer Health Insurance Coverage

An astounding Seventy Percent (70%) of Small Businesses in America today do not provide health Insurance coverage for their employees. In most cases, it's not that they don't want to but because their business can no longer afford to provide such benefits. It is simply an effort to reduce the cost of the day-to-day business operation.

However, employers must consider if this cost reduction strategy is helping the medium to long term growth of their companies. If one would think about it, what is more costly? The premiums a company has to pay for group health insurance or the cost to lose a good employee to a competitor who offers health care benefits? Indeed there is a higher price on the down time, training costs, and lost sales or manufacturing. Fortunately it no longer has to be a choice of one or the other.
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One solution for high cost of health insurance premiums is a non-insurance solution. Discount Health Care Plans. This alternative to health insurance only costs a fraction of what a traditional group insurance policy would. More importantly, it still meets the health care needs of a company's employees on a discounted basis.

These programs are not insurance but rather medical savings programs. It's more like having a health care advocate by which medical bills of members are reduced before they even start. Employees still have to pay for their healthcare, but the employer gets the credit of giving them substantial savings on medical, dental, vision, hearing, pharmacy and many other types of necessary medical care. These programs can also be used to supplement existing insurance programs with high deductibles or policies that pay a flat fee for hospital stays or certain conditions.
Tip! Managed care plans also known as HMO's (health management organizations) or PPO's (preferred provider organization). In this case the health insurance company has a contract with doctors and hospitals to provide you service.

Affordable health care becomes possible through group representation. Discount Health Care Plan providers carry enough clout to get prices reduced down to what insurance companies have enjoyed for years. In other words since they have enough participating members, they have superior buying power in order to negotiate discounts with providers of medical products and services. Some Discount Health Care Plans have been around for 23 years. These programs combine fully insured benefits to health care providers through group blanket policies that cover its members.

These Plans provide affordable health care coverage to its members by giving access to hundreds of thousands of doctors, dentists, specialists, labs, pharmacies and hospitals throughout the U.S. that have agreed to charge significantly reduced pre-negotiated rates for procedures that can be done. Healthy discounts of 30% to 70% off medical, dental, vision, hearing, prescription and chiropractic care. For the uninsured or under insured this often makes a world of difference in their ability to receive needed medical care. Acceptance is guaranteed, anybody young or old, regardless of pre-existing conditions can participate and some even covers maternity.
Tip! Review the explanation of benefits (EOB) sent to you from the health insurance company. The EOB should state what services or goods were billed and briefly why benefits were denied.

Several features of discount health care plans come as an advantage. There are no claims forms to fill-out, no limitations, no waiting periods or pre-existing conditions, no age restrictions, and with some you can become a member today and get healthcare treatment the day after. That's why testimonies of members like one below are not uncommon.
Tip! I would have to shop for a health insurance provider covering North Carolina.

"To date, I've had the opportunity to utilize the discount health care services on numerous occasions and have always been pleased with the savings. Last February, I had a hospital bill that was $2900.00 and reduced to just $410.00. I had a pinched nerve in my shoulder and went to the chiropractor. The initial charge was $620.00, but I only paid $203.00. My chiropractic treatments also went from $62.00 to $40.00. At the dentist, my savings have been about 60%. My brother, who is also a member, has prescriptions that were $574.00 and through our mail order program are now $299.80. The best part was that it was easy to use. All I did was call the member's support phone number and they took care of everything." - Richard P., Dallas, TX

Membership fees are significantly lower than traditional health insurance. Membership fees can be anywhere from $8 per month for minimal benefits to $50 per month for the comprehensive packages. Furthermore, companies get up to 20% discount on membership fees when they enroll 25 members or more.

For employers who can no longer provide health insurance for their staff, these discount health care plans could just be the answer. A service that is in many ways similar, and some would argue, better than health insurance at only a fraction of the cost. Companies can still reduce their cost on insurance benefits while gaining loyalty from their employees.
Tip! Decide if you want a fee-for-service plan or a managed care plan. With a fee-for-service policy, you usually pay for the services – such as a doctor visit – and then submit a claim form to the health insurance company to reimburse you for the expenses that they cover.

Abel Quitoriano is the webmaster of EZ-Entry-Medical-Dental-Benefits.com. It is a free resoucrce on affordable health care alternatives for the millions of people in America who do not have health insurance coverage. Either they cannot afford health insurance or they are not eligible due to pregnancy or pre-existing conditions.

An Introduction To Group Health Insurance Leads

Years ago, talking to prospects about group health insurance was a tough sell. Health insurance agents used to settle on cold calling in order to make a sale. This was time-consuming and often resulted in dead-end rejections, since many groups had some form of health insurance through their employment and were resistant to signing up for additional coverage. But nowadays, if you are an insurance agent, finding prospects is not e a hard task, because you can purchase group health insurance leads from reliable companies.

Group health insurance leads are actual positive responses direct from the group of prospects themselves. They are actually interested in buying your health insurance policies as a group. These are generated through direct mail marketing and telemarketing. They are also pre-qualified and have passed through a quality control department to ensure reliability.
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But if there are pre-qualified leads, there can also be invalid leads. These leads can only be considered invalid if they are not submitted by a group, submitted by competitors, and are submitted outside the service territory specified in the agreement. If you encounter invalid leads, you can submit a lead recall request. This request is then reviewed. Once approved, it will be reflected as a refund to your account.

Purchasing as many or as few leads that you can comfortably handle within two to three days can give a significant impact to your bottom line. But you have to find a reliable company that generates quality leads, because your time is not worth wasting on unqualified leads. The company you choose should use a script that you can customize to your products, location and types of client you typically serve. You should also enlist a company that uses highly trained telemarketers with solid knowledge of the group health insurance field and use a soft sell, relationship building approach.
Tip! Never cancel prematurely. Health insurance coverage is closely regulated by Federal and state laws which have put various protections in place for consumers.

Health Insurance Leads provides detailed information on Health Insurance Leads, Group Health Insurance Leads, Free Health Insurance Leads, Health Insurance Lead Generation and more. Health Insurance Leads is affiliated with Life Insurance Leads.

Wal-Mart Target of Health Insurance Legislation

Wal-Mart Stores Inc., the nation's and world's largest retailer, is quickly becoming Florida's largest retailer. The chain opened 50 of its 24-hour Supercenters throughout the state during 2002 and 2003, and there are nine Wal-Mart stores in Pinellas County— two Sam's Clubs, three Supercenters and four regular Wal-Marts.

It is also among the state's largest private employers, with 77,850 employees—far more than the 54,000 employed at Walt Disney World. According to Wal-Mart's media relations hotline, there are 3,407 people employed by Wal-Mart in Pinellas County.

With these large employee rosters come high costs. Wages, overtime, benefits, taxes and other expenses make staffing and its related costs the biggest expense for almost all employers. When a company is big enough to employ tens of thousands of people, methods for cutting costs are an issue management visits daily.

Often management reduces employee benefits—namely health insurance—as a way to keep costs down, and until recently this practice was met with little resistance. But this month legislative action in both Maryland and Pennsylvania took exception to this practice. And lawmakers in 28 other states, including Florida, Connecticut, Kansas, Colorado and Tennessee, are preparing to introduce similar legislation. The face of cost savings at the biggest employers—and specifically Wal-Mart—may never be the same.

On Jan. 12 the Maryland Senate voted to override a governor veto of a bill requiring companies with more than 10,000 employees to pay for some health-care benefits. Dubbed the "Wal-Mart Bill," the legislation is aimed squarely at the retail giant. It is already having a negative effect, as Wal-Mart's shares had their biggest decline in a month, closing lower by 83 cents, soon after the vote.

Spurred into action by the AFL-CIO, which represent over nine million workers, states are beginning to recognize that healthcare costs must be paid by someone. And if it's not employers, the burden often falls on the state. "The bottom line is that our health care system is broken—but it didn't just split open. Big companies like Wal-Mart are pulling it apart and profiting at taxpayers' expense," says John Sweeney, president of the AFL- CIO.

Florida state Rep. Susan Bucher, D-Lantana, has filed a version of the health care proposal for the spring legislative session. It closely resembles the Maryland measure. Of Wal-Mart's costs to taxpayers she says "It might be tempting to dismiss this issue as a larger one of corporate welfare, or to argue that we're singling out Wal-Mart unfairly. But facts are facts: Wal-Mart does not just shift health-care costs onto taxpayers, it does so at a level well beyond that of any other employer."

This legislation, if enacted, would apply to private employers with 10,000 or more employees. These companies would be required to spend at least 8% of total payroll on employee health care or pay the difference into a state-administered fund created to assist the uninsured.
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Legislation like this is a direct response to the numbers of people on Medicaid. In Florida alone, an estimated 12,300 of Wal-Mart's 91,000 employees relied on Medicaid for health care coverage in 2004. Wal- Mart's position is that it has more employees on Medicaid simply because it is the state's largest employer.

Clearly alarmed by these legislative actions, Wal-Mart has lowered its monthly health insurance premiums—some as low as $11 a month—so that more entry level employees can afford its company health care insurance.

Wal-Mart executives are denouncing the campaign, saying the company provides health insurance to nearly half of its employees. Sarah Clark, Wal-Mart Spokesperson, says "More than three-fourths of Wal-Mart associates have health insurance."

She also commented on the general state of American health care by saying "The American people know that catering to the special interests does nothing to help the 46 million uninsured individuals in this country. Now is the time for legislators across the country to work together to find real solutions to the health care challenges facing every state, every business and every working family."

Mandy Minor is the Co-founder and Senior Marketing Consultant for J. Allan Writing and Design Studios. A member of the American Advertising Federation, Mandy is the Achievements Chair of Ad 2 Tampa Bay and a staff writer for the Tampa Bay Sun.

Health Insurance for Creative Artists -- A Multi-Talented Health Investment

For the Creative Artist -- Good Health Insurance is Truly a Lifetime Investment


Fellow artists, buying good health insurance is the best investment you can make in your lifetime! You can purchase fine jewelry, art works, vintage cars -- but none of these can assure you the value, well-being, and peace of mind that a comprehensive health insurance plan will bring you. And you don't have to pay for expensive expert advice before buying, either. For, no knowledgeable jeweler, fine art dealer or professional car salesman can begin to give you the self assurance and cool confidence that a good health insurance package affords you.


Modern Health Insurance Covers More Than You Think


At one time, health insurance coverage was at minimum basic level. Most major illnesses and surgery were covered, but that was about all. Any condition out of the ordinary or slightly obscure was dismissed as not suitable for health insurance coverage. And any medical problem or type of surgery that sounded the least bit "cosmetic", you might as well just forget about. -- No coverage would be granted, and you'd be made to feel you were foolish even to ask for it! In today's health insurance market, however, there are policies that cover just about any medical condition, even pre-existing ones. And we all can benefit from this reassurance, especially as we get a year or two older. And there is better and better coverage for dependents now, so you can relax knowing your spouse and children will be well taken care of whenever health problems arise. Just imagine -- you may soon be able to include your pet poodle or parrot on your updated health insurance policy! (And, how about adopting a couple of those cute stray cats, dogs or hedgehogs for inclusion in your health care coverage?)
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Pay Nothing Or Little For Office Visits -- Let Health Insurance Take Care Of The Rest


Many health insurance policies require little or no payment up front for medical office visits or prescription drugs. At most, you may owe a $10 or $15 co-pay along with your health insurance identification card for all your doctors' appointments -- including specialists. And in some instances, even the co-pay can be billed for later payment. So, there's never a need to worry that you won't be able to afford your doctor's fee.


Buy Prescription Drugs For Nearly Nothing -- Your Health Insurance Plan Will Pick Up The Balance


You won't have to fret about pharmacy fees, for with current-day health insurance, most prescriptions cost a mere fraction of their worth. And you can go home feeling well cared for and wealthy. And generic drugs cost even less than their brand names do -- even more savings from your health insurance "investment fund."
Tip! The cost of prescription drugs is, perhaps, one of the first things that people look for in a health insurance policy. Many companies will include a discount prescription drug card with the policy at no additional cost.


And There Is Even Holistic Or Alternative Health Insurance


Can you believe it -- there is finally health coverage for many holistic and alternative health treatments to make your insurance wants and needs complete. Even herbal cures and natural health massage are included, in many cases! So, artists all, call your nearest health insurance broker today, and make that guaranteed investment of your lifetime!


Ellen Gilmer
Copywriter, Article Writer, copyright 2005

Ellen Gilmer is a writer-composer and artist who lives in New York City. Her business, Crystal Clear Artforms, is dedicated to the development and promotion of Thematic Arts (creative expression in multiple art forms). Ellen's work includes copywriting and article writing, and she is a member of the Agora International Press Corps / AWAI Travel Writers Group. She has published two books: La Belle Famille (a novel), and Free Style Run of the Heart (a book of dramatic monologues with songs). (Publisher: The Pentland Press, Ltd.; Carnegie Publishing, in England) The Web Site address for Crystal Clear Artforms is: http://www.home.earthlink.net/~elgilmer

Group Health Insurance Leads

A Quick Look at the Industry

The insurance industry is already bombarded with a lot of companies providing health insurance. Clients oftentimes take the advice of friends, relatives, and colleagues when deciding on which insurance provider to deal with. Word of mouth is very powerful and places great emphasis on the client's decision.

Customer Negotiation

If you are the group health insurance provider, how can you gain clients? What method will you use to encourage them to avail themselves of the group health insurance plan you are selling?

Good marketing always matters. Being easy and direct is required when discussing group health insurance with prospective costumers. Business-minded individuals do not always have the resources to spend hours and hours with insurance agents. Since time is precious, being direct and to the point will help you in your negotiations.

Combining all necessary group health insurance information into one resource will pave the way for your business's progress. Giving out a comprehensive lineup of the healthcare packages offered by the insurance company is likely to improve your sales. Direct marketing is the most important technique of all. Providing potential customers with the essential group health insurance information will set your company apart from the rest and will increase the likelihood of a positive result.
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After all, choosing a group health insurance provider is always a matter of which one can give more to the client. Helpful information presented to customers will encourage them to purchase from you instead of from another company. Clients are naturally after the benefits that they can obtain from your company.

Group Health Insurance provides detailed information on Group Health Insurance, Small Business Group Health Insurance, Group Health Insurance Leads, Group Health Insurance Quotes and more. Group Health Insurance is affiliated with Affordable Family Health Insurance.

Neglecting Family Health Insurance Planning Really Leads To Suffering

Everyone needs family health insurance and never more so than today, as people are living longer than ever in todays' society. Family size does not matter, it may even be only you that needs to visit the doctor or the hospital. And what about medications? These all contribute to running up large bills and they are not things that can be left to later when you have the money to pay for them.

With health insurance cover you will avoid big shocks in the future. You are able to keep your costs low, and avoid paying mounting doctor and hospital bills should you need to avail of their services at some later point in time.
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Having health insurance means that you will be able to get the medical attention and medicine that you need to stay healthy as you get older. If you do not have it, then you run the risk that every time you get sick you will have to pay all necessary bills which can be quite sizeable. Having health insurance though, means that you pay less and the insurance company pays the bills for you.

Family health insurance helps give you peace of mind.

With family insurance, you are providing protection for the future for you and your family. You will not have to use your hard earned savings should you find it necessary to visit the doctor. It could help save you hundreds of dollars should you break a bone for example. Having health insurance will drastically reduce that expense for you depending on the plan that you choose. You know that your families' health is paramount, but so is your financial security. Make sure to get the necessary cover so that you will never have to postpone seeing a doctor or providing the medical attention your family may need during an emergency.
Tip! One can define Health Insurance Leads as people who want to be healthy. In the United States of America, more than 80% of the population has health insurance.

If you have no family insurance cover then you need to considers your options.

For example, without some type of basic health insurance you have to decide whether to visit the doctor or not for minor problems because you may not be prescribed medication, and you are uncertain if you want to waste money in doing so. But of course you then run the risk that your family may get sicker and suffer more because you did not have the cover to see the specialists in the first place. With health insurance, you have an easier decision to make. You are responsible for the co-payment or deductible and that is that, then you can get the necessary attention needed for your family members.

Health insurance is affordable and you just need to decide what your requirements are.

For example, finding the right health insurance for you is very easy if you do a little preparation and decide just what it is you need. You may decide that you want protection for huge hospital bills, but that you don't mind paying for doctor visits, then you will lessen your costs. If you decide to choose a deductible that is say a thousand dollars, then your payments will be lower compared to those who have a deductible that is only two hundred and fifty dollars. Look around at the different combinations, and the different types of insurance cover and work out which is the better option for you and your family.
Tip! So, if you are selling a health insurance plan, you will be happy to know that you can now access the Internet to find a steady market of prospective clients. All you have to do is to find a reliable company that generates quality health insurance leads and offer services such as script input and your choice of exclusive or non-exclusive leads.

Copyright Ben O'Rourke.

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Free Health Insurance Leads

Being a health insurance agent is not an easy job. You can spend the whole day talking to prospects, but the end result could be frustrating, especially if your customer rejects you. Even if you are able to explain the value of your product and be better than any other agent trying to earn that prospect's business, it might not be enough to make a sale at the end of the day. You have to know the people who are in need of health insurance. But what if you can't afford to purchase these leads? You are therefore left with one choice, and that is to have free health insurance leads.

Free health insurance leads are steady stream of prospects that you can avail of for free. Usually, health insurance leads are sold on an exclusive basis and are delivered real-time to customers minutes after the online request is made. If you are an insurance agent, you can ask for referrals from the leads you already purchased. These referrals now become your free health insurance leads. These prospects are interested enough to search the Internet for an insurance quote, and as an agent, it is your responsibility to make certain that they get one from you.
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Always remember that each health insurance lead you have is more than one sale. You can generate free health insurance leads out of the leads that you already have, if you just have the ability to interact with people and build a relationship with them. Most importantly, you have to contact your leads as quickly as possible, if not by phone, at least by email. Be prepared to call them many times to achieve the positive results you hope will lead to a sale.

Health Insurance Leads provides detailed information on Health Insurance Leads, Group Health Insurance Leads, Free Health Insurance Leads, Health Insurance Lead Generation and more. Health Insurance Leads is affiliated with Life Insurance Leads.

Online Health Insurance Leads

Health insurance lead generation systems provide a stead stream of potential clients for health insurance brokers. Health insurance leads are considered to be people who may need health coverage to supplement the health coverage provided by their employer. A health insurance lead can also be someone who is self-employed and needs to obtain coverage for themselves or their entire family. Health insurance brokers rely on health insurance leads systems to supply them with enough potential clients to keep their business going. There are a large number of people who either need additional coverage or are in business for themselves and need an individual or family health insurance plan.

Health insurance lead services are available at a reasonable cost to health insurance brokers. Typically, health insurance leads companies will charge an annual or monthly fee for the leads and account maintenance. When considering a health insurance lead system, it is best to look for one that offers an unlimited amount of leads for one low monthly fee. Some companies that provide health insurance leads charge a per-lead fee. Make sure the leads are guaranteed for you money back or at least a guarantee that the company will replace them free of additional charges.
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The way it works is through referral systems. The qualified health insurance lead fills out a form on the health insurance leads provider's website. Upon receipt of the form, the lead service emails the health insurance agent the information submitted by the health insurance lead. The health insurance agent then contacts the health insurance lead via email or phone and provides them with a quote on the type of health insurance coverage they are looking for. In order to obtain the most qualified health insurance leads, health insurance brokers can give the leads service company specific information about the types of coverage offered.

Many health insurance lead generation systems come with automated email follow-ups. It is important for the insurance agent to contact the health insurance leads as soon as possible. Some of the health insurance leads are provided to more than one insurance agent. With the cost of health care constantly rising, the health insurance industry is very competitive and timing could make the difference between success and failure. With a consistent health insurance lead generation system and quick follow-ups, a steady stream of high quality leads will continue to come in. This could give you a huge advantage over the competition.
Tip! Many health insurance lead generation systems come with automated email follow-ups. It is important for the insurance agent to contact the health insurance leads as soon as possible.

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Health Insurance Leads

Finding prospects without health insurance leads can be a tedious task for many health insurance agents. Health insurance sales representatives used to settle on cold calling that takes too much time and often generates too little return. But this is now a thing of the past, since health insurance leads are widely available today on the Internet at affordable prices. Today's health insurance agents are more focused on making the sale and servicing the accounts they already have, and it actually makes no sense to spend half the day making fruitless phone calls to random lists that often result to dead ends and rejections.

Health insurance leads are from people who are really interested in receiving a health insurance quote and are looking for a health insurance specialist to find a policy for their family. As medical bills become more expensive, health insurance becomes a necessity to most people. Because of this, the cost of health insurance becomes higher which, in turn, forces more insured and uninsured individuals to search for a more affordable health insurance policy, and a broker to guide them. They do this by filling out a lead sheet that includes an in-depth questionnaire with the applicant's information, spouse's information, dependent's, and agent information.

So, if you are selling a health insurance plan, you will be happy to know that you can now access the Internet to find a steady market of prospective clients. All you have to do is to find a reliable company that generates quality health insurance leads and offer services such as script input and your choice of exclusive or non-exclusive leads. The end result can have a significant impact on your bottom line. Remember that the more qualified health insurance leads you have, the more sales you are likely to make.
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Health Insurance Leads provides detailed information on Health Insurance Leads, Group Health Insurance Leads, Free Health Insurance Leads, Health Insurance Lead Generation and more. Health Insurance Leads is affiliated with Life Insurance Leads.

An Introduction To Group Health Insurance Leads

Years ago, talking to prospects about group health insurance was a tough sell. Health insurance agents used to settle on cold calling in order to make a sale. This was time-consuming and often resulted in dead-end rejections, since many groups had some form of health insurance through their employment and were resistant to signing up for additional coverage. But nowadays, if you are an insurance agent, finding prospects is not e a hard task, because you can purchase group health insurance leads from reliable companies.

Group health insurance leads are actual positive responses direct from the group of prospects themselves. They are actually interested in buying your health insurance policies as a group. These are generated through direct mail marketing and telemarketing. They are also pre-qualified and have passed through a quality control department to ensure reliability.

But if there are pre-qualified leads, there can also be invalid leads. These leads can only be considered invalid if they are not submitted by a group, submitted by competitors, and are submitted outside the service territory specified in the agreement. If you encounter invalid leads, you can submit a lead recall request. This request is then reviewed. Once approved, it will be reflected as a refund to your account.
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Purchasing as many or as few leads that you can comfortably handle within two to three days can give a significant impact to your bottom line. But you have to find a reliable company that generates quality leads, because your time is not worth wasting on unqualified leads. The company you choose should use a script that you can customize to your products, location and types of client you typically serve. You should also enlist a company that uses highly trained telemarketers with solid knowledge of the group health insurance field and use a soft sell, relationship building approach.

Health Insurance Leads provides detailed information on Health Insurance Leads, Group Health Insurance Leads, Free Health Insurance Leads, Health Insurance Lead Generation and more. Health Insurance Leads is affiliated with Life Insurance Leads.