Health Maintenance Organizations...have been around since 1937.  Kaiser was the first in the U.S. and is
still around.  There are several kinds of HMOs with Kaiser being one of the most successful.
 

 

Staff Model HMOs  control costs the best by controlling the process.  This means they
are overseeing what doctor you can see and when you are approved to see a Specialist.  The ''gate keeper''
approach has been one of the biggest concerns of this type of HMO.

 

Other HMO plans have
been more like a traditional Point of Service Plan with the exception of your need to use the HMOs directory
of doctors.  There is no out of network coverage available.

 

With the increasing cost of
Health care, people are asking are the HMOs still doing the job they once did to better control cost.  All
insurance plans are going up in cost but some at different rates of increase.  Are HMOs holding the line
better?

 

This is debatable and hard to determine.  Health Savings plans and Health
Reimbursement Accounts are becoming somewhat more popular. There goal is to slow the rise in health care by
transferring some of the risk back to the employee. This has an initial savings that stays with the plan but
hasn't proven yet to slow the rate of increase.  More data is still needed.  

 

The one
thing that has become evident, however, is that when it is truly the employees money, they are more cafeful
about how and when their money is spent.  That is ultimately the whole
idea.

 

 

 

Tags: health insurance | Tallahassee Insurance | Dental Insurance | individual health insurance

Hits: 164 | Read more...

The first reason
is the Disability coverage also covers them, the business owner, at a fraction of the cost.  It is also
guarantee issue as long as the business has 3+ employees.  These are important considerations for any
business owner to consider.

 

You also do the right
thing by covering your employees and offering them a benefit.  They have the same problem buying disability
coverage on their own.  Higher costs and underwriting considerations.

 

style="white-space: pre;"> Disability coverage is the most important benefit after ones health
insurance coverage.  It basically protects your ability to earn an income and pays you when you cannot.
 Generally, the benefit is equal to 60% of your earnings before your disability.

 

style="white-space: pre;"> Many employees don't think about this very important coverage until it is to
late and they find themselves out of work for a time.  The cost of this benefit is usually less then 3% of
the income it is protecting.

 

Tags: Tallahassee Insurance | North Florida Health Insurance | individual health insurance

Hits: 103 | Read more...

What is the best voluntary benefit?  What is a voluntary benefit?  This is a benefit that the employee
pays for.  It is written as a group benefit, charged accordingly and written on a guarantee issue
basis.

 

Dental insurance is the top voluntary benefit.  It is a benefit used by all and
used by all the family members without going to the hospital, becoming disabled or
unemployed.

 

Employees will gladly step up and pay for their dental coverage.  Usually
dental insurance is inexpensive and covers the basic as well as most of the major services.  The children are
also covered and get the latest flouride treatments.

 

So if you are looking to enhance your
benefits  without incurring greater expenses for your organization, look no further than a quality dental
insurance plan.

 

   

Tags: Tallahassee Insurance | North Florida Health Insurance | individual health insurance

Hits: 124 | Read more...

The young people out in our economy represent the greatest number of uninsured.  Many don't want to pay
for the insurance and they do not feel they need the coverage.  Many of the young guys think they will never
need it at such a young age.

 

Insurance is never easier to get and never more affordable
then when we are young.  Our health is better and therefore we can lock in our insurability by qualifying for
better rates on a better policy.  Now is the time for people to get their best
policy.

 

Health Savings Accounts are very affordable and can be purchased on individual
policies.  Many younger people can benefits from the savings aspects of the plans as well.  The money is
deposited on a tax deductible basis and can be used tax free for medical and dental
expenses.

 

 

Tags: Tallahassee Insurance | individual health insurance | Blue Cross and Blue Shield

Hits: 96 | Read more...

Tags: tallahassee | Health Care in Tallahassee | ObamaCare | Group insurance | individual health insurance

Hits: 90 | Read more...

 

Obama and the Legislature seem to
think that by adding nearly 2 trillion dollars to health care they are going to save money.  The only way
they can do this is by reducing care.  Seemingly every committee in the House and Senate have had there go
of it.

 

Around and around they go,
but no one has a plan that saves money.  When asked about their health insurance and their care, over 90% of
Americans are very happy with what they have.  After all, what they have is choice, there own
choice.

 

We hear of people unable
to get coverage or preexisting issues with current Employer sponsored coverage.  In Florida, this has not
been an issue since Governor Chiles passed Small Group Reform.  These mandates are much simpler and more cost
effective that a total revamp of a system most are satisfied with.

 

Tags: Tallahassee health insurance | health care | Dental Insurance | individual health insurance

Hits: 131 | Read more...

Tags: individual health insurance | tallahassee | insurance

Hits: 69 | Read more...