Health Insurance Services for Individual and Group – Hollywood, Florida

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Health Insurance

Health Insurance has complex features that can create serious confusion among policy holders. There are lots of terminologies and features that you may not understand until you get hospitalized.

Feel free to read all the policy yourself but experienced insurance consultants that represent strong carriers can guide. There are different terminologies like deductible and out pocket that are different from one carrier to another.

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Life Insurance

The topic of Life Insurance is a sensitive one and people are often resistant to discussing it. After all, none of us wants to think about death and how it would impact our loved ones. Unfortunately only 56% of Americans have life insurance. Most people are not aware of this type of protection and believe “this will never happen to me”.




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Long Term Care Insurance

This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care. Most will be cared for at home but many will need to go into a nursing home. A study by the U.S. Department of Health and Human Services found that people who reach age 65 will likely have a 40 percent chance of entering a nursing home.

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International Health and Life Insurance

This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care. Most will be cared for at home but many will need to go into a nursing home. A study by the U.S. Department of Health and Human Services found that people who reach age 65 will likely have a 40 percent chance of entering a nursing home.

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Supplemental Insurance

The supplement insurance is unique concept of filling the gap with major medical expenses. Health Insurance definitely does not cover 100% with Dr. Visit, diagnostics and hospitalizations. These common examples may require a deductible to be paid to the client. What about if a client is hospitalized and the supplement pays several thousand dollars.


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Disability Insurance

Individual or family health insurance policies are fully underwritten insurances (risk evaluated) by a company. The policy may have a rate up (extra premium due to a person’s health conditions, exclusions (pre-existing conditions) and the insurer may decline certain members. As of March 23, 2010, the new Health Reform law prohibits insurers from declining coverage to children under 19.


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