Florida Individual Health Insurance
It is almost impossible to live without health insurance these days. With the rising costs of health care, some people are finding it difficult to find affordable coverage. Whether your employer does not offer health coverage, or you are self employed, you may find yourself in a position where you need to seek your own health insurance policy.
Health insurance policies most often provide coverage for:
- Doctors visits
- Medical Testing
- Specialized care
- Surgical procedures
Although every Florida health insurance policy is different, typically you can work with your insurance agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation AND the health of you and your family members when creating a health insurance policy. Most insurance agents can offer you two types of health care coverage:
- Indemnity Plans (or Fee-for services plans)
- Cafeteria/Flexible Spending Plans
- Indemnity Health Plans
- Basic & Essential Health Plans
- High Deductible Health Plans (HDHP)
- Health Savings Accounts (HSA)
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPO)
- Managed Care Plans
Your insurance agent may also provide Medicare supplements, long term care, income protection, etc. Contact The Marcus Group today for a Florida health insurance quote and more information on all of the policy options we offer.
Florida Medicare Coverage
For Florida Medicare coverage, The Marcus Group has your solution!
Medicare is a type of health insurance coverage offered by the United States Federal government.Florida Medicare is available to Florida residents who are age 65 or older, those under the age of 65 who have certain disabilities, and residents of any age with end stage renal disease (ESRD). To find out if you are eligible for Medicare, Florida residents should contact one of the knowledgeable agents at The Marcus Group.
Florida Medicare will help you pay for your health care, but it will not cover all of your medical expenses. A basic Medicare policy will generally cover 80% of your medical costs, while the remaining 20% must be covered either by a Medicare Advantage plan (Medicare Part C) or from your personal funds. The agents at The Marcus Group have a great deal of experience with Medicare policies, so you can rely on them to help you create a customized plan.
Florida Medicare has four parts:
- Medicare Part A – Hospital Insurance
- Medicare Part B – Medical Insurance
- Medicare Part C – Medicare Advantage Plans (HMOs and PPOs)
- Medicare Part D – Prescription Drug Coverage
Millions of Americans are covered by Medicare today. If you would like to find out if you are eligible, contact The Marcus Group today!
Florida Senior Benefits
Are you getting all the senior benefits you’re entitled to? If you’re not sure – you need to find out and you need to get what’s rightfully yours.
If you’re over 65, you’re entitled to a number of senior benefits, chief among them being access to Medicaid and Medicare.
At The Marcus Group we can help you get the following benefits:
- Medicare benefits
- Medicaid assistance and coverage
- Prescription drug assistance
Not knowing can cost you valuable coverage – and money.
Contact us to learn more about how we can help you get – and understand – your well-deserved senior benefits.
Florida Long Term Care Insurance
There is no question that people are living longer. Although the life span of Americans continues to increase, many individuals don’t thoroughly plan for how they will support themselves when they reach their golden years. If you are determined to take care of yourself and your living expenses as you get older, and are looking for coverage that will help pay for care that receive outside of a hospital, purchasing long term care insurance (LTC) may be your answer.
There are tons of expenses that come with getting older. In addition to doctor’s visits and prescription medication, there may come a time when you may need to move out of your home. When you were younger, you might have thought that you would never live in an assisted living center or nursing home. But now that you are older, your home seems to be a bit too large for you, and your health may require that medical personnel be close by. In order to be able to move to a place where you can get the care you need, long term care insurance can help lower your out of pocket costs. And if you choose to stay in your home as you age, long term care can help you handle the costs of getting care in your Florida home.
No matter how you choose to live out your retirement, long term care insurance can help you maintain your independence while taking the burden of care costs off your family. It’s never too early to consider long term care insurance.
Florida Life Insurance
Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance…the list and combinations seem endless. Do you know which life insurance policy type is right for you? At The Marcus Group we can help. Our dedicated team of life insurance professionals understand Florida’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.
Term Life Insurance Basics:
- Coverage for a “term” or period of your life.
- Lower premiums for higher coverage.
- Rates can change after specific terms expire.
- No equity – cannot be used as cash value.
Whole Life Insurance Basics:
- Exactly like it says – permanent, not for a specific period.
- Protection carries with you your whole life.
- Can build equity and have cash value.
- Higher premiums than term life, but can be more valuable in the long run.
Term and Whole Life Combined:
- Build lifelong base of whole live coverage.
- Supplement specific times of your life with term insurance.
When to choose term life?
Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.
When to choose whole life?
Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life policies will pay dividends – although not always.
With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right life insurance quote for you.
Florida Disability Insurance
Imagine that you are hurt and must take time out of work. Does your employer provide disability insurance? Even if they do, does it cover the length of time you may be out of work?
These are things you should be considering if you need to purchase disability insurance. Your need for disability insurance may be greater than you realize, and it’s not a responsibility you should simply toss aside for your employer to deal with. Although worker’s compensation is required by law to be provided to you by your employer, disability insurance is not required in every state. Only in Hawaii, New Jersey, Rhode Island, and New York does state law obligate employers to provide disability insurance for up to 26 weeks.
Currently, there are no state laws that require employers to provide you with long term disability insurance.
If your employer does not provide enough or any disability insurance, look no further than The Marcus Group. We have many options for comprehensive disability lines to best suit your needs. Disability insurance policies basically provide replacement income for you during the time you are unable to work. Do not make the mistake of underestimating the importance of this type of insurance; consider this: how would you and your family survive without your income? What things and activities would you need to give up without your income?
Disability insurance typically replaces 60-70% of your income during the time in which you are unable to work and/or perform the duties defined by your employment. Can you afford NOT to purchase this coverage? Contact The Marcus Group today for more information on disability insurance and get a free online quote, right now!
Florida Dental Insurance
You would be remiss to neglect your dental health. In fact, tooth decay can be a contributing factor in a number of ailments, from gingivitis to heart attacks. It’s crucial you don’t neglect your health – or your future – by putting dental insurance off for the proverbial “some other time.”
At The Marcus Group, we can match your dental needs to premium carriers. You deserve the best coverage at the most affordable rates. Our knowledgeable agents can help you understand the differences between HMO, PPO, and Prepaid Dental insurance.
Don’t neglect your dental health.
Contact us today.
Florida Cancer Insurance
According to the American Cancer Society, one in two men and one in three women will develop cancer in their lifetimes. It’s an alarming statistic, but there is hope. With a viable cancer insurance policy in place, treatment does not have to be an economic strain.
At The Marcus Group, we offer affordable cancer insurance solutions that can help offset the costs of:
- Out-of-network specialists
- Experimental treatments
- Travel and lodging expenses related to treatments
- Child care costs
- Day-to-day expenses (bills and mortgage payments)
Contact us to learn more about our cancer insurance solutions today.