Florida Association of Health Underwriters

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Dear Patients: Vote to Repeal ObamaCare

Don't believe Democrats who promise to fix the bill once they're re-elected.

7 Ways to Make the Health Underwriting Process Less Painful

Until the arrival of guaranteed issue in 2014, many states around the country will continue to require that individual health insurance is fully underwritten. Insurance agents are challenged with taking clients through the underwriting process to obtain health insurance coverage - a task that prevents many producers from marketing these plans in the first place.But for those who are actively involved in the individual health market, there are a few tips that can be helpful once the client's application has been submitted.Tip 1: Conduct effective field underwritingAgents marketing major medical...

Interim health insurance subsidies start for people with pre-existing conditions

Florida residents with pre-existing medical conditions who have not been able to buy insurance for at least six months can now apply for federally-subsidized insurance -- until the money runs out.As part of its health care reform effort, the Obama administration has allotted $5 billion nationwide to help pay for coverage for such individuals over the next four years, until more permanent "high risk pools" begin operation in 2014. Of that amount, $351 million is earmarked for Florida."It is a significant difference," says Joan Galletta of Jacksonville, a board member of the Florida Association...

Health Care for 2010 and Beyond

Clients are tired of the same old story at employee benefit renewal meetings: Higher rates, increased deductibles/copays and cost shifting. As agents, most of us have been desperate to offer some positive news. Fortunately, we are seeing the emergence of a new story line, one that has the potential to save our clients time and money, and to place us in the position of valued advisors and strategic planners. As we work with employers, providers and the government to script new plans for employee benefits, four ideas are moving to the forefront: 1) On-Site Medical...

INFORMATIONAL MEMORANDUM OIR-10-03M ISSUED MAY 12, 2010

ALL HEALTH INSURERS AND HMOsThe purpose of this memorandum is to notify health insurers and health maintenance organizations (HMOs) of the federal legislative changes that become effective six (6) months after enactment of the Patient Protection and Affordable Care Act (PPACA) signed into law by President Obama on March 23, 2010.(The last item becomes effective beginning 1/1/2011). You should review Public Law 111-148 to determine all of the provisions which apply to you. HR 4872 (Reconciliation) should also be reviewed for applicable provisions. This Informational Memorandum is not intended...

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