Category

Health Insurance

State of the Healthcare Exchange

By | Health Insurance | No Comments

I’ve been Fl Insurance Agent for over 20 years offering both group and individual health plans.  Over the past few years I have helped 1000’s of people navigate through the healthcare exchange to find affordable coverage. As you may be aware the state of the exchange is bleak. The fact is most individual policies that are sold both on and off the exchange of being eliminated. For the few plans that will remain the increases are coming in over 30%. This is unsustainable for many Floridians. I think we have reached the end of the road for the individual health…

Read More

Why Group Health Insurance will be the best choice for individuals in 2017

By | Group Health Insurance, Health Insurance | No Comments

The Affordable Care Act has dealt many blows to consumers over the recent years. Get ready because things are about to get a whole lot tougher. Major carriers like United Healthcare, Aetna and Humana are all pulling out of individual health insurance plans for 2017. Plans that people have bought since the start of ACA will not be renewing, which means millions of consumers will be stuck shopping for new plans. Unfortunately, the choices will be very limited with the big guys’ leaving. Carriers like Humana have even started to extinguish older pre-ACA plans. The reason is simple, insurance companies…

Read More

What to Consider Before Selecting or Changing Your Dental Plan in Florida

By | Group Health Insurance, Health Insurance | No Comments

Selecting or Changing Your Dental Plan in Florida If you are an employer in Jacksonville, Miami, Fort Lauderdale, Tallahassee, Orlando, Tampa, Jacksonville, Port St. Lucie, St. Petersburg, Hialeah Cape Coral, Pembroke Pines or any other major city thinking of opting for a different dental plan than the one you currently have, these are some of the questions you should ask before making the switch, according to the American Dental Association. Will your employees have the freedom to choose the dentist that they want? This is important. If your employees have been seeing a dentist and now have to go to…

Read More

How to Evaluate Your Company’s Health Insurance Offerings

By | Group Health Insurance, Health Insurance | No Comments

Health Insurance Offerings The surfeit of health insurance options in Florida can drown your senses in a sea of complications, disclaimers and exceptions. All such fluff could easily distract you from the most important query of all: which plans makes the best sense for you and gives the maximum value when you are sick. The best thing to do is to take assistance from health insurance experts. The US Department of Health and Human services has put out a detailed published guide in this regard. Quality should be paramount You must put quality of care on the topmost pedestal. If…

Read More

How to Hire a Florida Health Insurance Agent

By | Group Health Insurance, Health Insurance | No Comments

Health-Insurance Agent If you are a business owner looking to hire a health-insurance agent, you can find yourself in a tricky spot. States like Florida are teeming with insurance agents. So, how can you pick the right one from the thousands available?! It has been reported that in 2015, the employer-sponsored family health insurance premiums have gone up by 4%, pushing them to more than $17,000, requiring workers to pay almost $5,000 each as premium costs. It is vital for business to decrease the cost of health insurance. And the surest way you can do that is by recruiting an…

Read More

IRS Affordable Care Act Tax Provisions for Employers

By | Health Insurance | No Comments

IRS Affordable Care Act Tax Provisions  Floridian Quote ranks among the leading health insurance consultancy firms providing expert guidance and support to clients for both group and individual health insurance plans. Floridian Quote has access to the most competitive health insurance company plans and pricing. Clients working with Floridian Quote can identify the right plan to fit in with their business or personal needs and budget. The company serves clients in Miami, Orlando, Tampa, Jacksonville, Florida, and surrounding locations. Determine Employer Size The Affordable Care Act includes benefits and responsibilities for employers. What applies in your case will be determined…

Read More

See if You Qualify for the Small Business Health Care Tax Credit

By | Group Health Insurance, Health Insurance | No Comments

Small Business Health Care Tax Credit Floridian Quote is one of the premier health insurance consultant companies with expertise in both group and individual health insurance plans. Floridian Quote can offer a wide range of health insurance company plans and pricing. Clients have an opportunity to choose the best plan that matches with their business or personal requirements and fits their budget. Floridian Quote works with clients in Miami, Orlando, Tampa, Jacksonville, Florida, and surrounding locations. Qualifying Criteria for Tax Credit As a small business employer, you can qualify for health care tax credits if you have fewer than 25…

Read More

Group Health Insurance Coverage Questions & Answers

By | Health Insurance, Legal Advice | No Comments

Group Health Insurance Coverage Requirements for Small Employer Plans: Different types of employers may offer different kinds of group healthcare coverage for their staffs. You may be thinking who is a “small employer” in the context of healthcare coverage in USA. A small employer can be defined as an employer who has employed 50 or fewer than 50 employees in his venture. Read more. What is Florida Employer Group Health Insurance Coverage? Insurance policies are regulated to a large extent by each state. Thus, the laws that exist related to health insurance policies provided by various employers may vary drastically…

Read More

Small Business Healthcare Tax Credit Calculator

By | Health Insurance | No Comments

If you have health insurance coverage for your small business and it’s employees you may be able to claim a Small Business Health Care Tax Credit worth up to 50% of your premium contributions, (up to 35 percent for tax-exempt employers.) To qualify for the small business health insurance tax credit, all of the following must apply: You have fewer than 25 full-time equivalent (FTE) employees Your average employee salary is about $50,000 per year or less You pay at least 50% of your full-time employees’ premium costs You have employees enrolled in coverage through the SHOP Marketplace You don’t…

Read More

Rights of a Former Employee if Access is Lost to Employer Group Health Insurance Coverage

By | Health Insurance | No Comments

Employee Insurance Rights Factors like reduction in working hours, employee downsizings, business and plant closings may affect an employee in negative ways.  Employees may lose income and the security that is associated with a steady job. As a result the retirement and health benefits that go hand in hand for being a full-time employee may also disappear. If you are a dislocated employee, you may have several queries. Some of them may concern your retirement and health benefits. For instance, you may ask what will happen to your health benefits or could you have an option of continuing with the…

Read More