Health care

Discount Health Care Cards-Consumer Driven Healthcare

Article by Alan Masters

What are discount health cards? Discount health cards provide one part of the solution to the nation’s healthcare crisis by enabling consumers to purchase healthcare products and services at discounted retail rates. Discount health cards are not insurance and are not intended to replace insurance. In fact, many consumers choose a discount card to complement their health insurance program, filling in gaps such as prescription drug benefits or vision care.

Why Choose a Discount Health Card? Discount health cards are NOT insurance.

Discount health cards enable consumers to purchase healthcare products and services from providers at discounted prices, similar to the rates that healthcare providers charge wholesale customers such as preferred provider networks (PPOs) or large insurance plans.

Many consumers choose a discount card to complement their health insurance program, filling in gaps, such as prescription drug benefits, chiropractic care, dental or vision care.

Discount health cards have gained popularity because they provide consumers access to the healthcare they need without the limitations, exclusions and paperwork associated with insurance plans.

In addition, discount health programs typically include the cardholder’s entire household.

How You Benefit with a Discount Health Card? Discount health programs, or discount benefits cards as they are sometimes called, were created to help bridge the gap for consumers burdened by the increasing cost of healthcare by providing opportunities to directly purchase healthcare services and products at discounted retail rates. Discount cards offer:

Access: Individuals and families without insurance can use discount programs to receive access to and substantial savings on health care services such as doctor visits, hospitalization, prescription drugs, eyeglasses and dental care that they might otherwise not afford.

Affordability: While insurance rates have increased at double-digit rates over the past 12 years, discount card providers have kept their rates virtually unchanged.

Savings: Those with limited insurance, the under-insured, and insured individuals with high deductibles can reduce out-of-pocket expenses and receive discounts for services not normally covered by insurance such as chiropractic care.

Choice: In some cases, consumers with discount health cards pay less for services such as dental and vision care than those covered by traditional insurance plans.

Convenience: Discount programs are accepted at some of the nation’s largest healthcare retailers including national pharmacy and optical chains. While each program varies, many companies offer programs with providers that include:

* Pearle * LensCrafters * Medicine Shoppe

* Eckerd’s * Safeway * Wal-Mart

* Sears * Target, and many more!

What types of services are typically included by discount health cards? Discount health cards include a wide range of services and products including dental services, prescription drugs, vision care, chiropractic procedures, hearing care, physician/hospital & ancillary services, nurse medical information lines, vitamins and emergency care for travelers. Choose a program that offers discounts on services that you need and that you will use.

Who should use discount health cards? The wide array of choices in the discount health card industry and the many discounts available make it possible for everyone to enjoy the benefits of discount health cards. Discount health cards are designed to provide benefits for a wide-range of consumers. For individuals and families without insurance, discount health cards offer substantial savings on healthcare services such as doctor visits and on everyday health related expenses including prescription drugs, eyeglasses and dental care that they might otherwise not afford.

For those with limited insurance, the under-insured, and insured individuals with high deductibles, discount health cards can reduce out-of-pocket expenses and offer discounts for services that may not be covered by insurance such as chiropractic care.

In some instances, discount health cards for ancillary health services and products such as vision, dental and chiropractic care offer services at overall out-of-pocket costs lower than insurance co-payments.

For these reasons, many of the country’s Fortune 500 companies now offer discount health cards to their employees as part of their benefits packages.

How do consumers get discount health cards and how do the cards work? You can obtain discount health cards either through your employer, an association, union, or another entity with which you are connected or you can go directly through a reputable discount healthcare program.

Signing up for a card is easy. Complete an application and pay a nominal monthly fee. In some instances, your employer will pay the fee. To access care and receive savings, a cardholder must simply provide the card to a participating provider at the time health services are rendered and pay the discounted fee.

How do discount healthcare programs offer such benefits? Discount healthcare programs enable members to access similar rates that healthcare providers charge wholesale customers such as preferred provider networks (PPO) or large insurance plans. The difference is that instead of financing the medical expenses of members by charging high monthly rates, consumers agree to pay a discounted fee to the provider directly at the time of service.

What is the difference between discount health cards and health insurance? Discount health cards are not insurance. Card companies who indicate otherwise are not being truthful. Unlike health insurance, there is no sharing of risk by the consumer and the discount healthcare company.

Discount health cards afford consumers the opportunity to directly purchase health care services and products from providers at amounts discounted below their retail rates. Cardholders are required to pay the provider’s discounted fees in full at the time healthcare services are rendered or as dictated by the provider’s agreement. Consumers are free to make their own choices about which services to purchase and from whom to make those purchases.

Insurance plans, on the other hand, define specific benefits available to the consumer at rates determined by the plan purchaser. Insurance plans also pay health care providers on behalf of the consumer.

Do I still need insurance if I have a discount health card? That’s a decision each consumer must make. Discount cards and insurance plans frequently provide complementary benefits. That is why many of the nation’s leading companies offer their employees both insurance plans and discount cards. Each individual should evaluate his or her own health needs and the various benefits offered by each type of program.

Why has there been controversy surrounding some discount health card providers? Millions of consumers have embraced discount health cards because of their value and simplicity. This popularity has led a number of companies to enter the discount health card business. Unfortunately, not all of them are reputable. Some card providers charge steep up-front fees or promise dramatic savings they can’t deliver, while others bombard consumers with misleading and confusing sale pitches.

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suit against health care law

A federal judge in Virginia will hear arguments Monday on whether the new federal health-care law is unconstitutional.

Virginia Attorney Gen. Ken Cuccinelli II (R) will argue that Congress overstepped its constitutional authority by enacting a provision that requires individuals to purchase health insurance by 2014 or pay a fine. Lawyers for President Obama will tell the judge that the individual insurance mandate falls within Congress’ constitutional authority to regulate interstate commerce.

The lawsuit is one of more than 15 filed across the country challenging the health-care law and one of two state-level attempts to kill the law in the courts. A separate suit filed jointly by 20 states in Florida is moving somewhat more slowly through the court system. A judge ruled Friday that the Florida suit can proceed to trial.

Eastern District of Virginia Judge Henry E. Hudson already rejected a motion from the federal government asking that he dismiss the Virginia case. In a hearing that begins at 9 a.m. Monday, Hudson will hear several hours of arguments directly on the case’s merits.

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Hudson is not expected to issue a ruling in the case Monday, but he may indicate when he plans to rule. And he will question lawyers for both sides. The tone and substance of the queries may give some indication of how he views the constitutional dispute.

If Hudson, who was appointed to the bench in 2002 by President Bush, were to rule that the sweeping law is unconstitutional, its national implementation would be halted. However, the Obama administration would likely seek a stay of the ruling while it pursued appeals. Both sides have said they believe the law’s constitutionality will ultimately be resolved by the United States Supreme Court.

In written briefings, Cuccinelli’s lawyers have argued that it would unprecedented to allow Congress to force an individual to make a purchase. Failure to buy insurance, they argue, represents the absence of economic activity and therefore cannot be regulated by Congress as commerce.

U.S. Justice Department lawyers, acting on behalf of Secretary of Health and Human Services Kathleen Sebelius, have countered that a person who decides not to buy insurance has made an economic decision that influences the health care market and can thus be regulated as commerce.

When such people become sick or are injured, the cost of their care is absorbed by the vast health market, lawyers for the federal government say. They also argue that the insurance mandate is key to other provisions of the health-care law. Bringing more healthy premium payers into insurance pools, for instance, will help industry pay the costs of extending insurance to those with pre-existing health conditions, another of the law’s requirements.

At the July hearing, Hudson seemed skeptical of the federal government’s arguments. However, at that phase of the case, the burden was on Justice Department lawyers to show that the Virginia suit was so without merit that it should be tossed from court. In Monday’s hearing, the burden has shifted to Cuccinelli to show that the law is unconstitutional.

The different roles in the healthcare system

Administered Health Care Center

Administered Health Care Centers undoubtably become quite popular because they offer affordable care that is not available elsewhere. They have trained and knowledgeable staff and usually are not too concerned with insurance. Health centers work towards keeping a community or population healthy and worry less about the financial means than other places.

There are many different types of administered health care centers. A health center is basically any agency where health care is administered, including health education. A health center can offer basic health care or even specialize health care. Health centers include clinics, hospitals and treatment centers.

Many colleges offer a student administered health center. The student health center is a place where students can get discounted or free health services.

Many of the college health centers offer basic health care, much sound an emergency room. There are recurrently not doctors that take scheduled visits. College health centers help to keep disease and illness under control on a college campus.

There are other races of administered health centers like health centers focused on women. Women have many specialized health care needs, like pregnancy. Some of the women’s health centers suggestion counseling services, abortion services and specialists in treating female types of cancer. These health centers focus on educating women about their health

Health centers come in a variety of focuses. As mentioned, college and women’s health centers are quite popular. There are other health centers that focus on different groups like children or the elderly. Semioccasional health centers are more generalized and welcome anyone..

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The US Healthcare system is the most expensive in the world. Yet fewer Americans can afford it, more are sick, people are getting poorer and health insurance companies are getting richer. Health Ranger Mike Adams talks to RT’s Lauren Lyster about the controversy. Follow Lauren on Twitter: twitter.com
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All For One Home Health Care: Home Health Care For Pediatric Clients

Article by Robert Schott

When we hear the words home health care, what comes to our mind is the care given at home for old and aged individuals. What we don’t know is that pediatric home health care is also widely being practiced on most part of the country. This type of home health care specializes on the needs of pediatric clients or those aged 18 and below. See that there are also individuals specifically the kids and infants who are in need of special care and treatment at home. Certain agencies like All For One Home Health Care provide these types of services without you weekly visiting the hospital. Right at the comfort of your own home, all care can be provided at its best.

Compared to adult home health care, pediatric care at home is more crucial and significant because one mistake can end the life of the newly born or growing up patient. People on a very young age are very much susceptible to health damages like infections as they are not yet fully grown up to fight all bacteria and viruses lingering around our environment. They are also the most common victims of congenital anomalies which subject them from being incapable of doing all things that a normal child can do. Utmost medical care is also needed for young ones as they are still on the developmental task of their lives that one mistake can lead to unacceptable social behaviors. These are just some of the most common cases in which a child requires pediatric home health care assistance.

When choosing a home health care agency, you need to consider several things in mind because not all of them are proficient on giving pediatric care at home. Take a look at this list created by All For One Home Health Care which is a well rounded home health care agency and make sure to check each and every one of these things upon looking for a pediatric home health care agency for they bear much importance to the health and wellness of your child.

1. Make sure that all medical staffs are trained to handle pediatric cases – not all nurses, therapists, workers and all other medical professionals are well adept on pediatric cases. Make sure that the agency holds certified and well trained medical staffs; you can easily assess this by asking for pediatric trainings and certifications.

2. Choose trusted and well established pediatric home health care agencies – as with elderly home health care agencies, you need to choose well established and dependable partners like All For One Home Health Care whom you can trust as your child requires not just ordinary health care needs but particular medical interventions.

3. Go for agencies that offers wide variety of medical services – the primary thing that makes you decide to go for home health care assistance is the fact that you need someone readily available to provide all your child’s medical needs without going back and forth to the hospital. Hence, choose an agency that offers not just few medical services but as much as possible almost all of them. This will save you both time and effort by avoiding frequent visits to the hospital.

Always remember that your child needs twice more care and importance than elderly ones. They cannot tell you face to face which body part is aching, they cannot say loud and clear that they need food, and most of all they cannot command you to give them utmost care and attention so it is your job to fulfill these needs by hiring a professional pediatric home health care agency.

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Medi-Share: A Christian Option for Health Care

In the national debate over President Barack Obama’s health care plan, you may have heard something about the “public option.” But you probably haven’t heard about another option many American Christians are choosing—an option called Medi-Share.

I became acquainted with Medi-Share a few months ago, when I received an email with the subject heading, “A Christian Answer to Healthcare.” The email was basically an ad that highlighted three points: (1) Medi-share is biblical, (2) Medi-share is convenient, and (3) Medi-share cares.

But what is Medi-Share? As a Christian concerned about health insurance and health care, I wanted to know more. So I went straight to the source–or their online presence, anyway. I visited the ministry’s website. Here’s what I learned.

Medi-Share is not health insurance, which was my first thought. It is a member-based program of Christian Care Ministry. This Florida non-profit organization has a mission of “helping Christians help one another.”

With Medi-Share, members share in each other’s health care costs on a voluntary basis. Participation allows members to follow the biblical mandates in Galatians and Hebrews.

Christians are to “carry each other’s burdens, and in this way you will fulfill the law of Christ (Galatians 6:2)”…”so we say with confidence, ‘The Lord is my helper; I will not be afraid. What can man do to me?’ (Hebrews 13:16).”

Medi-Share works by matching the members’ monthly share amounts with other members’ eligible medical needs, then facilitates the direct sharing of those costs between them.

“Unlike health insurance companies, Medi-Share brings Christians together to share medical bills with one another,” the ministry says. “Your health care dollars go towards supporting healthy and biblical lifestyles.”

According to the website, 50,000 Medi-Share members have saved and shared more than 0 million in medical costs since 1993. By negotiating discounts with healthcare providers to reduce medical bills, members have also seen over million in discounts during the same sixteen-year period.

The Medi-Share program is based on biblical principles and integrity. To qualify for the program, applicants must be Christians who acknowledge a personal relationship with Jesus Christ.

They must also share the ministry’s statement of faith, agree to live by biblical standards, agree that believers should bear each other’s burdens, attend a fellowship of believers on a regular basis, and actively support that ministry. An applicant’s spouse and children can be included in a family membership if they meet all the membership requirements.

Medi-Share allows members 65 and older to participate—if they’re enrolled in Medicare Parts A and B by the first day of the month in which they turn 65, and if they meet a few additional requirements. But sharing of medical bills is limited for people in this age category.

To join Medi-Share, members fill out an application form and pay a application fee. Christian Care Ministry relies on the medical and lifestyle information provided during the application process to determine a person’s qualification.

People who have a serious medical condition, are seriously overweight, or have significant risk for a major disease, may not qualify.

As Medi-Share members, Christians share the cost of American Medical Association (AMA) approved treatments, such as doctor’s office visits, clinic visits, testing, prescription drugs, and hospitalization for eligible medical needs.

Alternative treatments may or may not be shared. The Medi-Share Guidelines provide a detailed list of what is eligible for sharing, and what is not.

Share amounts are based on age, size of household, and program option (chosen by the member). Discounts—up to 20 percent of their monthly share—are awarded to members when they meet certain health criteria.

Although Christian Care Ministry is a tax-exempt, nonprofit entity, members cannot deduct their share amount for federal income tax purposes, either as a charitable donation or medical expense. This is due to a strong possibility that another member will share their medical expenses. If a member donates an amount above and beyond their monthly share, the gift is tax-deductible.

Medi-Share is not for everyone. Members must be Christians committed to health, wellness, and a biblical lifestyle. Sex outside of traditional marriage, the use of tobacco and illegal drugs, and the abuse of alcohol and legal drugs will disqualify a member.

And Medi-Share is not without some risk. There is no guarantee that money will be there to pay every member’s medical bills, Wendy Griffith said in a recent report for CBN News.

“That’s the fundamental difference between health insurance and a sharing ministry,” noted Robert Baldwin, president of Christian Care Ministry. “Health insurance has reserves, a profit stream that adds to those reserves, and so they promise to pay your medical bill.”

In an attempt to keep share amounts down, Medi-Share does not build up large reserves and it does not own buildings in large metropolitan areas as investments. “We simply facilitate the sharing process between believers,” Baldwin has said, “and it’s been good for sixteen years.”

Sixteen years is a pretty good track record. It shows a history of reliability. But it’s really about believers trusting God, Baldwin explained. “It’s Christians putting their faith in God to provide through their fellow Christians.”

Health care spending will be a target of efforts to cut the federal deficit, this fall and well into the future. The best way to reduce unnecessary spending, says Karen Davis, president of The Commonwealth Fund, is making sure everyone gets the right care, using new provider payment mechanisms. In this video, Dr. Davis outlines some of these payment reforms and lays out the case for greater use of comparative effectiveness research to learn “what really works.” This video is part of a series produced by the non-partisan Alliance for Health Reform in Washington, DC (allhealth.org). The series is supported by the Robert Wood Johnson Foundation. To suggest questions that you would like to have answered in this series, please send an email to BillErwin@allhealth.org
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They know that it can aid them help save the very same sort of cells that have previously been effectively used to handle more than 10,000 individuals with some 80 identified illnesses, such as leukemia, lymphoma, and immune technique issues. Several wellness treatment pros encourage expecting mothers and fathers to store their newborns’ cord blood stem cells with a reputable cord blood bank simply because of their lifesaving possible.

With the knowing that patients with access to much more also have entry to elevated lifesaving treatments, much more and a lot more health care experts are now recommending to their patients that if they are organizing to lender their babies’ stem cells they really should try to lender as several CD34+ cells (blood forming cells that make a difference most for remedy good results) as achievable. Expecting mothers and fathers can now lender the most stem cells probable by way of a foremost bank alternative that allows them to bank from two resources: the placenta and the cord blood. This unique placenta-derived stem cell and cord blood banking selection supplies expecting parents with the most feasible-and making use of far more CD34+ cells has been demonstrated to enhance transplant accomplishment and affected person survival in the therapy of most likely existence-threatening conditions and situations.

There is only one particular cord blood bank that delivers this support, acknowledged by the medical community as Placenta-Cord banking, to financial institution stem cells derived from the placenta in addition to cord blood stem cells.

Don’t Overlook Health Care Insurance

Authorities managing health care insurance in United States claim that there are many private companies in United States that offer various health insurance. The US, as a renowned advocate of free market and free economy, have to give an free market upbringing for these companies to employ in a healthy competition in order that the consumers will get utmost profit. In the system in the US, the consumer possesses an alternative in choosing the insurance scheme, they maintained.

Are you acquainted with supplemental health care insurance? A lot of people are not; these days, the majority people register with their employer-sponsored insurance plans, or buy individual plans if their employers do not give health profits.

A lot of health insurance companies proffer affordable supplemental health care insurance policies that are just right for seniors; conversely, Medicare proffers a number of affordable supplemental health care insurance policies for seniors also. When selecting its plan for seniors, the objective is to select a plan that isn’t going to cost any longer than disbursing for the added the costs out-of-pocket would cost. Lots of seniors are on restricted incomes as it is, consequently taking into consideration one of the plans Medicare proffers is a good beginning.

A lot of college student’s miss out on student health care insurance only since they consider it is overly costly. While health insurance coverage could be extremely costly, its insurance plans for student are in general less costly than traditional plans. Students 18-24 are amongst the healthiest in the population and its rates are auspicious for students due to this.

The significance of student health care insurance is frequently ignored. While the majority college students are burdened with large amounts of education money owing and housing costs, they frequently fail to notice it as a savings in their future.

With the augmentation in health care costs, it’s become more significant than ever to get the insurance. Still, requiring it and discovering something that is within your means don’t constantly go hand in hand. If you’re one of the millions with no health care insurance, you possess alternatives that may assist you cover up yourself and also your family.

If you’re still possessing problems getting health care insurance, you might like to take a look at your local social services and health departments. A lot of these agencies may point in the right direction you to lower cost alternatives for medical and even dental care. Woman’s health centers could give low cost or free birth control and exams, if you require that type of care as well.

Health care insurance is willingly obtainable for lots of people, but you may wish for spending some time getting the plan that will go with your necessities – financial and health- best.

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Canine Health Care Tips

A Path to Better Health for Your Dog Through Proper Pet Care

Maintaining good health for your pet dog does not have to be difficult. There are a number of things you can do to make certain your dog remains safe, healthy and disease-free.

Feeding Your Dog for Optimum Health

A proper diet is one of the most important aspects of canine health care. Without a properly balanced diet, no dog is able to remain completely healthy. A quality diet is a part of essential health care for all pet dogs. Diet is not an area to cut corners and a poor quality dog food is not a good way to save money.

Proper Exercise as Part of a Health Care Program for a Dog

Exercise is an important part of canine health care as well. Without proper exercise, many dogs will become overweight and experience numerous health care problems. Exercise is often overlooked but is critical in keeping a dog fit and trim. Every dog needs to have an exercise regimen as part of a total canine health care program.

Canine Vaccinations – a Necessary Part of Pet Care for All Dogs

Keeping your dog up to date on necessary canine vaccinations will help keep your pet dog free of preventable infectious diseases.

Heartworm Prevention to Maintain Good Canine Health

Prevention of heartworms is an easily accomplished task with currently available medications and it is a necessary part of maintaining your pet dog’s health. Heartworm testing should be done at least once yearly for your dog and heartworm prevention medication should be administered following the label directions. Most heartworm prevention medications are administered monthly in heartworm endemic areas.

Flea and Tick Prevention in Canine Health Care

Fleas and ticks can carry or cause disease for your dog and prevention of both parasites should be addressed as part of proper dog health care. There are many options available for preventing fleas and ticks and many only need to be applied once per month, making them easy to use.

Maintain Good Canine Health Care by Controlling Intestinal Parasites

Intestinal parasites, such as roundworms, tapeworms, hookworms and whipworms are commonly diagnosed in dogs and can negatively impact canine health care. In addition, some of these parasites can pose a threat to you and your family. Effective control of intestinal parasites is often a simple task and starts with having a sample of your dog’s feces checked by your veterinarian. In addition, many of the monthly heartworm preventive medications can help prevent some of these intestinal parasites.

Spay/Neuter as Part of a Comprehensive Canine Health Care Program

Spaying or neutering your dog can have positive effects on your dog’s health and behavior. Spaying or neutering is recommended for all dogs not intended for breeding.

By providing proper health care for your pet dog, you can ensure that your dog stays healthy and leads a longer life.

How the Proposed Health Care Bill will Impact Florida Residents and Health Care Providers

Article by Wiley Long

The nation is abuzz with talk of the proposed health care bill, which may be signed into place in 2009 – and may be signed as soon as Christmas Eve. As it stands now, the proposed bill will cost the nation at least 1 billion and change the way Americans receive and pay for their health care. The Congressional Budget Office estimates that the proposed national health care bill will ensure health insurance for an additional 31 million Americans while, simultaneously, cutting the federal deficit by a whopping 2 by 2019.

According to the most current draft of the healthcare reform bill, every American will be required to buy health insurance. However, Medicaid programs will also be expanded to provide more health care coverage to the poor. Moderate income individuals will receive a federal subsidy to help them afford health insurance or health care.

For Florida residents, this means that health insurance rolls in the state will increase by 2.4 million by 2019. Additionally, nearly one million Florida seniors will be blocked from the proposed budget cuts to the popular Medicare Advantage program. But that’s not all – health care providers and recipients will be affected by the proposed national health care bill in many more ways.

The impact of the proposed health care bill on Florida residents and health care providers

In addition to the new mandate that all residents will have to have Florida health insurance or another form of health care coverage (such as federally subsidized coverage), many Florida residents can expect their health care expenses to increase in response to the passage of the health care bill.

While the proposed cosmetic surgery tax was eliminated from the bill, there is a new ten percent tax on indoor tanning services. From this ten percent tax alone, the government expects to raise about .7 billion over the next decade. While the government stands to benefit from the increase revenue, tanning salons may be hard-pressed to maintain their businesses. “This is really going to be tough for these businesses – they’re already struggling,” said John Overstreet, executive director of the Indoor Tanning Association.

Additionally, individuals making more than 0,000 per year and families making more than 0,000 will have to pay a 2.35 percent tax for Medicare. This figure represents a 0.9 percent tax increase for these high-earners.

However, Florida Senator Bill Nelson was able to secure an amendment to the health care bill that would protect about 800,000 Medicare Advantage policy holders from cuts to Medicare Advantage plans. While existing Medicare Advantage participants will be grandfathered in, new Medicare beneficiaries will have to deal with the program cuts.

The good news for many Florida residents is that Florida community health centers will receive an additional billion in the most current version of the bill.

Additionally, the proposed five percent tax on elective cosmetic procedures was also eliminated from the most current version of the health care bill. That’s good news for health care providers offering elective procedures said Dr. Kent V. Hasen, a board-certified area plastic surgeon. “In general, cosmetic surgeries are down 30 to 40 percent because of the recession. You tack that on and it will be the death knell for the practices.” That five percent tax would, however, have generated about billion in taxes.

The proposed health care bill has been hotly debated in the Senate since November and is expected to be signed into action as soon as Christmas Eve of this year. Once the bill is in place, you will want to reevaluate your current Florida health insurance plans, as the bill proposes many changes to the health care and health insurance industries that will affect every Floridian in some regard.

When evaluating their health insurance plans and health care needs, many individuals will find it beneficial to speak with a qualified health insurance advisor for specific information about which health insurance plans suit their unique needs, budgets, and lifestyles – especially in light of the many changes that will soon take effect.

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