Blue Medicare Regional PPO Plan

As a Florida senior considering your options, you may have decided to explore Medicare Advantage. If quality, reliability and affordability are top priorities, Blue Medicare Regional PPO Plan may be the right choice for you. With a high level of flexibility, affordable rates and comprehensive coverage, it’s easy to see why folks from Ft. Lauderdale to the Florida Keys rely on Blue Medicare Regional PPO for securing a dependable Medicare health plan.

The Flexibility You Need to Fit Your Lifestyle

What’s more valuable than having flexibility when you need it most? With a Blue Medicare Regional PPO plan, you can count on low cost and the freedom to choose your own doctors and hospitals. With an extensive regional network of doctors, specialists, hospitals and pharmacies, you have the opiton to go to any participating provider who accepts Medicare. And with no referral needed for in network doctors, specialists and hospitals, that’s flexibility you can count on. Plus, with worldwide coverage for emergencies, you can travel with confidence.

Competitive Pricing

Cost is a major concern for most of us these days and hardly anyone passes on the chance to save a few dollars. With a Blue Medicare Regional PPO plan, saving is easy. With $0 monthly plan premiums, moderate out-of-pocket expenses and more, it’s easy to find the perfect plan to fit your needs and your wallet. That’s great news for seniors on a fixed income and exactly why so many Floridians choose Florida Blue as their Medicare health plan option. Plus, with no deductible for preventive care, you can get vaccines, routine screenings and more easily and conveniently.

Prescription Drug Coverage, Dental and Vision That Makes Sense

Blue Medicare Regional PPO also offers prescription drug coverage, dental, vision and hearing benefits that actually make sense. With a $0 deductible and $6 co-pay for generic drugs, you can get your medication quickly and easily with no hassles. Plus, if you order your prescription by mail, the co-pay is $0. Dental coverage provides up to two exams and one cleaning per year as well as one dental x-ray. Hearing aids, exams and fittings are also covered as well as $0 deductible for a variety of visions related exams, and even glasses or contacts after cataract surgery.

For the most comprehensive, reliable and affordable Medicare coverage, more Florida seniors choose the Blue Medicare Regional PPO plan as part of a dependable health care strategy. Healthy lifestyle choices begin and end with trusted coverage from Florida Blue.

Life Insurance Without a Medical Exam

Are you looking for life insurance but not willing to sit through a lengthy or invasive medical exam? You’re not alone because more and more people are purchasing life insurance without traditional exam requirements- and for a variety of reasons. Some people are not comfortable disclosing health problems, others dislike going to the doctor and others simply want no nonsense coverage today. If you’re looking for the convenience of searching, applying and buying coverage from home, no exam life insurance quotes may be the right solution for you.

Quick Application and Approval Process

It used to be that securing a quality life insurance policy took time. You had to visit your doctor, take an exam and then wait for the results before any insurance provider would dare give you an estimate on rates or purchase price. Luckily, times have changed, and with life insurance without a medical exam, it’s possible to find the coverage you want, apply and get approved all within the same day. It’s true, in some cases, you can literally have full coverage within 24 hours of applying online. For you, the consumer, that’s a breath of fresh air and a less stressful experience.

Online Quoting For Easy Comparison Shopping

Another benefit of life insurance without a medical exam is the freedom to get real time quotes in an instant, saving you time, energy and money. When you can compare policies and providers side by side, you can make the most informed decision. And that means choosing the right policy to fit your needs and your budget. After all, how can you plan accordingly, when every quote you get is an “estimate”?  You can’t, and that’s why it just makes sense to look for advanced quoting technology and websites with quote engines that offer “no exam” as well as “exam required” quotes.

The Confidence and Security You Deserve With No Hassles

Buying life insurance is a big responsibility and one that shouldn’t be made in haste. But when you can’t get access to the information you need because of a time consuming or lengthy application and approval process, it becomes a hassle. Life insurance without a medical exam makes it super easy to finally get the confidence and security you deserve in a quality life insurance plan for your family that you can trust.

Child Only Health Insurance

As a parent, there aren’t too many things as important as securing quality, dependable health insurance for your child. With frequent doctor’s appointments, well checks and more, you need to know that you’re your son or daughter needs medical care, you can get it- no questions asked. But with the expense of group coverage, adding a child to an employer’s plan isn’t always easy. Luckily, if you’re looking for child only health insurance, there are affordable options available.

October 1 Starts Open Enrollment

The passage of the Affordable Care Act created Heath Exchanges, or government run websites created specifically to provide consumers with a “one stop shop” for finding, comparing and purchasing health insurance. Beginning October 1st, parents and caregivers will be able to locate quality child only insurance plans offered through a variety of different providers. Comparing your options and benefits will make it easier to find the perfect plan to addresses your needs and your budget.

Choose Quality Providers For the Most Secure Insurance

While comparison shopping for cost is a priority, it’s also important to choose well known, reputable providers to ensure you get the most dependable coverage. Price is important, but without name recognition, you could end up paying for coverage that will not be there for you when you need it most. Reputable companies like Assurant Health have earned a reputation for delivering solid benefits, dependable coverage and affordable rates. They’ve been helping people just like you get child only health insurance for years and that’s why they’ve been so successful.

Customized Options Are Available With Child Only Health Insurance

Like any other health insurance plan, finding the best coverage is really about finding a plan that fits your needs. Even with child only health insurance, there is some flexibility and customized options are available. That means you can find coverage for basic needs like doctor’s appointments and prescription medications, but you can also find the right plan to help keep out-of-pocket expenses low with reasonably priced premiums.

Parenting is a tough job, but finding the right child only health insurance shouldn’t be. With access to a variety of different providers and plans, you should be able to find coverage that’s not only comprehensive, but affordable. Make sure to choose quality providers and look for flexibility. The right plan is out there, you simply need to find it.

Life Insurance is an Act of Love

Life insurance is an agreement between an insured person and a company that is providing the insurance. The insurance company promises to give the insured a fixed sum of money if he dies. There are different amounts that can be negotiated at the signing of the insurance policy. The insured will usually pay a monthly premium to the insurance company for this policy. The insurance policies are more expensive the older the person is. Therefore it is usually advisable to apply for such a policy in your earlier years of life.

When it comes to the actual life insurance policy, there can be a different person as the insured and as the policy owner. In the majority of cases they are the same person. However, this is not always the case. If a man buys a policy for himself then he is both the policy owner and the person who is insured. If his son decides to buy a policy on his father’s life the son is the policy owner and is responsible for paying the monthly premiums and the father insured. This is a practice that is allowed by most insurance companies.

The main reasons why insurance policies differ in monthly rates are the person’s age, whether they are male or female, and if they are users of tobacco products. Obviously there are other determining factors such as occupation and health issues. Life insurance for diabetics is going to cost more than life insurance for healthy individuals. The way that you can determine your monthly payment for a particular policy is by visiting a local insurance company. They will be able to explain to you all of the details involved in your specific policy.

There are many types of insurance that a person needs to have. There is car insurance, house insurance, and many more. However, a life insurance policy is the only one that shows how much you care for the future well -being of your family. It is an unselfish act of love that proves that you want the best for your loved ones in case of an untimely death.

Life Insurance for Seniors

senior life insuranceFew processes will ever be as important as financially protecting family and loved ones after passing away. In addition to the initial funeral expenses, families could struggle with any number of costs ranging from a mortgage to helping children or grandchildren with tuition for higher education. For seniors that that are looking to give their family that added security in the event of a death, here is a closer look at senior life insurance and how to make this potentially complex process as quick and affordable as possible.

One of the primary challenges when finding life insurance for seniors is the potential for increased costs. After taking a look at a few base quotes, many customers may feel as if these policies are simply too expensive past the age of 60. This is especially true for those that are living on a fixed income and cannot stretch their budget much further. The first step in this process is to take a look at some of the top providers and understand their exact requirements for age, health conditions, premiums, and total coverage.

Once the options have been partially narrowed down, it is important to then take a look at a practical death benefit. While everyone would like to leave their family and loved ones with a large lump sum, this may be impractical for seniors on the search for life insurance. Cutting down the benefits to exactly what is needed will make premiums much more affordable while still easing some of the costs that will be assumed by a spouse or children.

The final step in this process, and one that is essential for those with ongoing health issues, is to find a policy that provides guaranteed coverage. These policies may only provide benefits of $25,000 or less, but they will move past the huge premiums associated with pre-existing health conditions. Luckily, with these few simple steps in mind, anyone can find an affordable policy that will work for their own budget and the financial needs of those they love.

Why Purchase Funeral Insurance?

Funeral insurance is just as important as car insurance or health insurance. In fact, it may even be more important. Although some illnesses are slow, and give families time to prepare for final expenses, many deaths are completely unexpected. It’s so important to have a plan in place to take care of final expenses. Funerals cost thousands of dollars. An unprepared family could be financially devastated by the burial costs of a loved one. In addition, shopping for burial insurance is a great time to decide on final arrangements. This is the best way to spare one’s family the emotional pain of planning a funeral while they are grieving. The importance of final expense insurance can’t be overstated.

The Cost of a Funeral

According to the National Funeral Directors Association, an average funeral costs almost $8000. This is just the average cost. Many funerals can be much more expensive. It may be impossible for a family to come up with that kind of money after a death. Even the most financially stable people would have a hard time coming up with an extra $8000 to cover burial expenses. The budget also dictates the type of funeral services that are available. Many people decide on cremation because it is the cheapest service. Cost should never be a determining factor when it comes to final expenses. With appropriate planning and a funeral insurance policy, even the most elaborate burial is possible.

Pre-Planning and Pre-Paying

Many people may not worry about purchasing burial insurance because they already have a life insurance policy. A life insurance policy is a great way to provide for loved ones after death. Unfortunately, life insurance policies may be slow to pay out. Funeral homes aren’t in the business of extending lines of credit either. Purchasing burial insurance is a great way to make sure that one’s family doesn’t have to worry about scraping funds together to pay for a decent funeral. It is also possible to pre-plan when purchasing funeral insurance. This is a great way to spare one’s family from the anguish of planning a burial after a tragedy.


RuthieA lot has changed in my 32 years in the financial industry.

Institutions have come and gone. The markets have changed. Products have launched and ceased to exist. However, the fundamental principles of financial planning have not changed all that much, in my opinion. Sure there are different products to help clients reach their goals than there were 20 years ago. Products are just a tool though. Nothing more.

I think too many financial planners get hung up on products they get excited about and then try to pigeon-hole clients into those products. A more prudent course of action is to instead understand a client’s goals, setup a plan of action, and then find the right products and services to meet their strategy.

The specific products used are the least important part of a good financial strategy. They are merely a means to an end result.

Having said that, I think it is important for consumers to have a broad understanding of products that are available to them, whether they be investments, insurance, or simply banking products.

I will often talk in more broad terms as far as financial strategies, but from time to time I hope to post about and discuss more specific products and/or ideas that can help in those strategies.