[ Aetna - Blue Cross Blue Shield - Humana - United Health Care ]

Health, Life and Dental Insurance quotes for Florida residents including Florida residents living in Miami, Fort Lauderdale, Hollywood, Davie, Coral Springs, Delray Beach, Boca Raton, Wellington, West Palm Beach, Palm Beach Gardens, Jupiter, Tequesta, Stuart and Fort Pierce. 

Don't be fooled by the "Affordable Health Plan" offers.  Quality insurance companies such as the ones I work with are not cheap but they are there when you need them.  Before you consider purchasing any health insurance call your doctor or a local hospital and ask them if they accept the plan and if it's a good quality health insurance plan.

About me.....I am a licensed health and life insurance agent in Florida and work with numerous health and life insurance companies including Aetna, Blue Cross Blue Shield, Humana, Cigna, United Health Care -Golden Rule, AIG, MetLife, Prudential and many more.  We offer individual, family, group and termporary health insurance coverage plus inexpensive term life insurance.  

For a fast free insurance quote call 561-741-8849  
OR
Click here to send an e-mail

Free health insurance quotes from:

• Aetna
• Blue Cross Blue Shield
• Humana
• United Health Care / Golden Rule

People rarely think about health/medical insurance when they feel good and are healthy.  When you are sick it is often too late to get health insurance.  The time to buy health care coverage is now, when you feel good.

I work out of 2 Palm Beach County offices in South Florida.  One in Jupiter Florida and the other in West Palm Beach Florida.  However I travel from Jacksonville to the Florida Keys for my health and life insurance customers.  If you live in Miami, Fort Lauderdale, Boca Raton, Delray, Lake Worth, Wellington, West Palm Beach, Royal Palm Beach, Palm Beach Gardens or Jupiter I probably helpded one of your neighbors with their insurance needs.

What will it cost?
In addition to the monthly premium expense, you may have other out-of-pocket costs. These costs can really add up, especially if you have children or other family members who visit the doctor frequently. Check to see if the health insurance plan you're considering requires you to pay any or all of the following: Co-payment: The amount you'll have to pay each time you visit a health insurance provider. Deductible: The amount you'll have to pay toward your medical expenses (usually annually) before the insurance company begins to pay claims. Coinsurance: The percentage of your medical costs you'll have to pay after you reach any deductibles that apply.
EXCERPTS FROM AN ARTICLE I WROTE FOR A NEWSPAPER
I am an insurance agent.  However I do not believe in over insurance.  Let’s face it, if you don’t own a car, you don’t need car insurance.  If you live on the 12th floor of a high rise you don’t need flood insurance and if you are a single person with no dependents you may not need life insurance.  But everyone needs health insurance.  I have yet to meet the person that has never been to the doctor or a hospital at some point between birth and death.

Many younger people believe that they do not need health insurance because they are young and healthy.  But what happens if you break a bone, need stitches, or something worse such as cancer.  These medical bills can ruin you financially, and don’t think that bankruptcy laws will protect you.  It is my understanding that the new bankruptcy laws will require you to pay your medical bills.  Imagine being 25 years old, you end up in the hospital for 2 weeks, your medical bills are $250,000, you don’t have insurance and you end up paying these bills for the rest of your life.

What if you wait too long to get health insurance?  Once you have certain medical conditions such as diabetes it is difficult if not impossible to get quality individual health insurance.  The moral of the story, purchase a name brand health policy while you are healthy.  Once you are sick, it is too late.  Think of it this way, it is too late to buy car insurance after you wreck your car.  Well, it is often too late to buy health insurance after you are sick. 
 
What if I am not able to purchase an individual health plan?  Group insurance may be the answer.  Group coverage is usually offered by medium to large employers with little or no cost to the employee.  However as health insurance costs continue to rise many employers are passing a larger portion of these costs along to the employees.

What if I work for or own a small business that does not offer health insurance?  Most health insurance companies will write small group policies with four or more employees.  If you have less than four employees it is still possible, but your options may be limited.

What if I can’t afford to put my spouse and children on my employer’s health plan?  My answer, what if they get sick?  Can you afford not to have health insurance on your family?  If the company plan is too expensive you may be able to find individual coverage for less money.  Another option for inexpensive health insurance for children is the State of Florida.  Please visit http://www.floridakidcare.org/  and http://www.healthykids.org/ for more information.  

Should I put my spouse and children on my employers health plan?   Maybe?.  If your spouse or child has a pre-existing medical condition this is usually the best and least expensive route to take.  However if your spouse or child is healthy it may be less expensive to move them to an individual plan.  For example, a friend of mine works at a mid size medical office which has group health coverage.  If she had a healthy 25 year old non smoking spouse she could save $2,400 per year by purchasing an individual health insurance policy for him.  Not only would she save $2,400 but in this case her spouse would get a better quality health plan.

Generally placing the spouse or child on their own policy works best when the individuals are healthy and under age 50.  The older you get the more your health insurance will cost.  It also works best when there are only one or two kids.  Usually group coverage is the same cost for one child as it is for ten children whereas individual plans are priced per person.  If you smoke, individual coverage will cost about you more money, approximately 20-40% more, another good reason to quit smoking.

 You can contact Keith Murray at 561-741-8849 or e-mail him at Keith@KeithMurray.biz with any questions. 

Keith Murray sells Blue Cross Blue Shield Group Health Insurance Plans for business groups all over Florida including the following cities:Alachua Altamonte Springs Anna Maria Apalachicola Apopka Arcadia Archer Atlantic Beach Atlantis Auburndale Aventura Avon Park Bartow Bay Lake Belleair Beach Belleair Bluffs Belle Glade Belle Isle Belleview Blountstown Boca Raton Bonifay Bonita Springs Bowling Green Boynton Beach Bradenton Bradenton Beach Bristol Brooksville Bunnell Bushnell  Callaway Cape Canaveral Cape Coral Carrabelle Casselberry Cedar Key Center Hill Chattahoochee Chiefland Chipley Clearwater Clermont Clewiston Cocoa Cocoa Beach Coconut Creek Coleman Cooper City Coral Gables Coral Springs Crescent City Crestview Crystal River Cutler Bay Dania Beach Davenport Daytona Beach Daytona Beach Shores DeBary Deerfield Beach De Funiak Springs DeLand Delray Beach Deltona Destin Doral Dunedin Dunnellon Eagle Lake Edgewater Edgewood Eustis Everglades Fanning Springs Fellsmere Fernandina Beach Flagler Beach Florida City Fort Lauderdale Fort Meade Fort Myers Fort Pierce Fort Walton Beach Freeport Frostproof Fruitland Park Gainesville Graceville Greenacres Green Cove Springs Gretna Groveland Gulf Breeze Gulfport Haines City Hallandale Beach Hampton Hawthorne Hialeah Hialeah Gardens High Springs Holly Hill Hollywood Holmes Beach Homestead Indian Harbour Beach Indian Rocks Beach Inverness Islandia Jacksonville Jacksonville Beach Jacob City Jasper Keystone Heights Key West Kissimmee La Belle Lake Alfred Lake Buena Vista Lake Butler Lake City Lake Helen Lakeland Lake Mary Lake Wales Lake Worth Largo Lauderdale Lakes Lauderhill Laurel Hill Lawtey Layton Leesburg Lighthouse Point Live Oak Longwood Lynn Haven Macclenny Madeira Beach Madison Maitland Marathon Marco Island Margate Marianna Mary Esther Mascotte Melbourne Mexico Beach Miami Miami Beach Miami Gardens Miami Springs Midway Milton Minneola Miramar Monticello Moore Haven Mount Dora Mulberry Naples Neptune Beach Newberry New Port Richey New Smyrna Beach Niceville North Bay Village North Lauderdale North Miami North Miami Beach North Port Oak Hill Oakland Oakland Park Ocala Ocoee Okeechobee Oldsmar Opa-locka Orange City Orlando Ormond Beach Oviedo Pahokee Palatka Palm Bay Palm Beach Gardens Palm Coast Palmetto Panama City Panama City Beach Parker Parkland Pembroke Pines Pensacola Perry Pinellas Park Plantation Plant City Pompano Beach Port Orange Port Richey Port St. Joe Port St. Lucie Punta Gorda Quincy Riviera Beach Rockledge Safety Harbor St. Augustine St. Augustine Beach St. Cloud St. Marks St. Pete Beach St. Petersburg San Antonio Sanford Sanibel Sarasota Satellite Beach Sebastian Sebring Seminole Sopchoppy South Bay South Daytona South Miami South Pasadena Springfield Starke Stuart Sunny Isles Beach Sunrise Sweetwater Tallahassee Tamarac Tampa Tarpon Springs Tavares Temple Terrace Titusville Treasure Island Trenton Umatilla Valparaiso Venice Vernon Vero Beach Waldo Wauchula Webster Weeki Wachee West Melbourne West Miami Weston West Palm Beach West Park Wewahitchka Wildwood Williston Wilton Manors Winter Garden Winter Haven Winter Park Winter Springs, Zephyrhills

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Health Insurance and Life Insurance for Florida residents in all of the following counties:
Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, Dade, De Soto Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian, River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, St. Johns, St. Lucie, Santa Rosa, Sarasota, Seminole, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington.