Florida Health Insurance Landscape

Florida Health Insurance Landscape

Florida faced a rocky start to universal health care.  Its state lawmakers were not interested in obtaining health care for their citizens if it meant accepting help from the federal government.  It ranked 34 out of the 50 states in terms of the health of its citizens, and had the second highest number of uninsured in the country.  21% of Caucasians, 25% of African Americans, and 43% of Hispanics in the state had no health insurance of any kind.

Despite this, it turned down federal funds to expand Medicaid when the federal government offered the funds, despite the fact that other states such as New York had accepted this money for their state’s most underprivileged.  They also moved to keep navigators out of state health care offices, saying that they were members of a ‘business’ and that all businesspeople were barred from entry.  This prevented Florida citizens from getting access to federal health care plans.

Though some may view a lack of health care as a personal choice, when that person shows up in the emergency room with a broken leg and the taxpayer has to pay for it because they haven’t purchased any insurance, this raises healthcare costs and encourages citizens who have no health insurance to hold off on seeing a physician until an emergency has been created.  In many cases, loss of health and life could have been avoided if the uninsured person had visited a doctor earlier, or had access to life-saving medications rather than waited until the last possible moment: what an old doctor I used to know called “one foot in the grave and another on a banana peel!”

Florida’s high percentage of immigrant workers can offer up unique challenges to health care providers.  For many, English is not their first language, and approximately one quarter do not consider themselves confident in the language if they were born in another country.  They may have difficulty finding someone who can help them interpret the health care information, and if they are sufficiently isolated they may not even be aware that the United States has comprehensive health care available.  Language barriers may make it more difficult to get a job where health insurance is available, and that may cause them to need to seek out a health care plan on their own.

The high poverty rate in Florida is also an issue.  Even the best health care coverage available rarely pays one hundred percent of health care costs.  Florida health insurance providers may pay up to eighty percent of health care costs.  However, that may still leave prohibitive costs for the individual to pay, and the most poverty-stricken Floridians may end up having to pay for a single healthcare issue over a period of many years, or even be pushed into bankruptcy by a simple event like a tumble down the stairs.

State and local initiatives are trying to address disparities and improve the health of the patient population.  There are two programs that have been set up in order to address issues with Florida health insurance, https://floridainsurancequotes.net/health-insurance-quote/ .

The first is called ‘Closing the Gap’, and is a grant program to reduce racial and ethnic health disparities by promoting disease prevention and healthcare coverage to these underserved populations.

The second is one that has been set up by the Florida Department of Health and is a multi-step plan to improve access to health care.

Both plans have merit, although some might argue that they are very late in coming.  Long before the Affordable Care Act, Floridians were underinsured and underserved.  However, these plans may be a step in the right direction.

Florida Automobile Insurance Quotes Online

How to Prepare for an Online Auto Insurance Quote

Florida online auto insurance quotes can be quite advantageous for a numerous amount of reasons.  Rather than having to travel to a brick-and-mortar location, you will be able to determine how much your insurance will cost from the comfort of your home.  Shopping for insurance quotes online can also provide you with the opportunity to go through dozens of companies until you find the right policy for your needs.  When you are ready to begin searching for Florida auto insurance quotes online, the below steps will help you to prepare.

Personal Information

The majority of auto insurance companies like this, will require you to divulge personal information so that they can do a quick background check on your driving history.  The reason for this is because the majority of companies don’t want to work with high-risk drivers, or they will have higher premiums for high-risk drivers.  Having this information readily available will also help you to get a quote quickly:

  • Insurance Declarations Page
  • Make, Model, Year, and VIN (Vehicle Identification Number)
  • Annual Mileage
  • Security Features on the Vehicle
  • Name, Gender, Occupation
  • Driver’s License number
  • Disclosure of Accidents or Traffic Violations

Consider your Current Plan

While shopping for Florida auto insurance quotes online, you will want to consider what your current insurance plan offers.  The reason for this is because you may not even have to find another company to insure you and your vehicle.  If you have experienced any changes in your life that may help to lower your monthly payments, ensure that you consult your current insurance provider.  As an example, a change in job placement may require you to travel less miles on a daily basis – thus you may receive a lower rate.

Research the Company

Signing with an insurance company is a very important venture, therefore you will want to ensure that the company that you’re interested in is reputable and has had great experiences with past customers.  Checking the financial stability of the potential company will also help to make sure that you will be sufficiently covered for the entire length of your term.  A reputable insurance company will have financial stability to prove that they will not be going bankrupt or encounter financial issues in the future.  Also, you will want to ensure that they do not have any complaints filed against them pertaining to filing claims on time.


Now that you have determined whether your current plan is less expensive, or if the new insurance company that you are interested in is trustworthy and reliable, you can begin the application process.

Finding Florida auto insurance quotes online will provide you with the opportunity to find a beneficial insurance company to sufficiently cover you and your vehicle while you are out on the road.  In order to be prepared to find online insurance quotes, you should consider the aforementioned tips to help make the process simple and quick.  It is your responsibility as a driver to ensure that you are sufficiently covered by insurance while driving.



Finding the Best Home Insurance in Florida

If you’re planning on buying a house or building a house in the near future, you’ll need the appropriate insurance to go along with it. Lacking home insurance in Florida simply isn’t an option. For one thing, it wouldn’t be sensible to live in an uninsured home. Countless things could go wrong, leaving you high and dry. However, you’ll never get a mortgage without homeowners insurance. No bank is going to invest in a home that could go up in smoke tomorrow and be done for. So consider the following to ensure you find the best option in Florida.

Not All Companies Are Created the Same

Obviously, much of your decision will come down to the companies in Florida that insure homes. So that’s a huge factor when comparing homeowners insurance Florida rates with someone like https://FloridaInsuranceQuotes.net. Large Insurance companies may offer one rate, but its competitor could give you completely different option.

Going by price alone is a big mistake when considering different homeowners insurance Florida rates. Some insurance companies may undercut their competitors, but they may also leave you with less coverage too. If anything goes wrong, what money you saved could quickly be absorbed by needing to buy new furniture, pay for damages to be repaired, etc.

Also, when it comes to Florida providers, know you need to do a little research of your own. Some of these companies could very easily be over leveraged at the moment. By this we mean they’ve insured more houses than they could pay for if something terrible happened. The real estate boom in Florida left a lot of insurance companies unable to say no to policy after policy. The problem is that hurricanes, tropical storms or floods could take out a large cross section of their clientele and they’d need to pay up. Look into whether or not companies you’re considering would have the money to own up to their responsibilities.

Consider Your Unique Property

No two home insurance policies in Florida are the same, because no two homes are. So you can be sure that any company will take a good hard look at your home before presenting you with a price for their services. Here’s the thing, though: you need to do the same. The company will be looking at your home to size it up for any potential risks. You need to look at it to ensure you actually need all the things the company is trying to sell you on in terms of coverage.

One way to do this is to check with your bank. They may be honest about the fact that they don’t care if your inland home has hurricane insurance or not, for example. However, as they’re not paying for it, they also may not care and rather have you being safe than sorry.

At the end of the day, ask around, shop around and inform any potential insurance companies that you’re actively looking for the best deal out there. This will help you get the lowest price for the most coverage.

Florida Renters Insurance

It happens all the time.  People go to Florida on vacation, and end up loving the laidback, beachy vacation feel the town has.  You decide to move to Florida so you, too, can enjoy the sand and sun year round.  Until you find a place to buy, you found a cute little house – near the beach – that you rent.  While you’re setting up the utilities, getting the phone turned on and the newspaper delivered, forwarding your mail; make sure that you get Florida renters insurance from FloridaInsuranceQuotes.net.

Your landlord has insurance that covers the house.  The next time a “no-name” storm hits the coastline and some trees crash down on the back porch, your landlord’s insurance will cover the structure.  The cute bistro set you brought with you? Not covered.  Antique tea set that you had artfully arranged on a table? Not covered.  That’s why you need Florida renters insurance.

Florida renters insurance covers your possessions – the things you lovingly packed and moved into that cute little house to make it your home – from damage and theft.  For a low monthly payment, you can have the peace of mind that comes from knowing your stuff is covered.

It is easy to dismiss the idea of renters insurance.  After all, what are the chances that you’ll need it? That’s the tricky thing about insurance – until you need it, you won’t know how valuable it really is.  Think about how expensive it would be to replace that flat screen TV and laptop that got damaged when the roof leaked.  Not only would it be inconvenient, it would far exceed the monthly cost of Florida renters insurance.  Florida accommodations can include a house, condo, apartment or trailer.  No matter what type of housing you have, Florida renters insurance can cover your belongings.

After you’ve been in your home a while, you may decide to get rid of your dark furnishings and look for something a little more Florida style.  In the tradition of Floridians, you put out a few signs and hold a weekend yard sale.  One of the early bird shoppers is wandering among the tables when she trips over your set of golf clubs.  Horrified, you offer a washcloth and band-aids, and she shuffles off without buying anything.  Your day is a success and you’re pretty happy with the new furnishings that you bought from the proceeds, but the joy evaporates when you open a letter from a law firm informing you that you’re being sued.  That sweet shopper is seeking thousands in damages from her fall.

Fortunately, you went ahead and got Florida renters insurance – so you’re not worried.  One call to your insurance agent and you whistle while you head down to the beach to watch the sunset. Your insurance covers not only your possessions; it covers accidents that may happen in and around your home – giving you true peace of mind.