Haven’t been insured in six months or more? You’re in luck if you live in Florida.
There’s a new law signed last Wednesday by Gov. Charlie Crist that lets insurance firms to offer a basic package for health plans without the usual required coverages. The good news? It might just cost Floridians $150 a month.
“It is not the Cadillac of health plans, but it offers something very, very important for the citizens of our state,” the governor said. Shrinking the number of people in Florida without health insurance, now about 3.8 million, has been one of Crist’s top priorities.
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Having a Health Insurance policy usually made us feel secure for the future health of our family. However, according to a survey, only 7 percent of those who have health insurance say they are prepared for any health concerns in the future.
The main reason is that the remaining 93% feel that they have very limited coverage and are now paying more of their share for medical costs. 158 million people covered by employer health insurance programs are paying higher medical expenses due to various combinations of factors like higher premiums, less extensive coverages, and larger out-of-pocket deductibles and co-payments.
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Since you’re never really sure when an accident might occur, you need to have short term insurance in place. Short-term insurance is protection for your future. It’s not a commitment for years and years but rather a short period of time. Even if the premiums seem expensive think what it could cost you without it should something happen. In reality you will eventually have other insurance once you begin that new job, make the move, or complete what ever particular phase of your life you’re currently in. Once your new insurance kicks in the family short-term health insurance can be canceled.
Availability of more information will help health professionals to make more value based health decisions under a new strategy to improve safety and quality of medical care. The new plan will develop a new entity that will compare efficacy and safety of existing medical technologies and procedures. It will focus on the adoption of new guidelines that will provide health care information transparency, adopt best practices and a more patient centered resolution of disputes.
Key elements of the new plan are:
- Create a new national entity for evaluation
- Reform the FDA to improve its ability
- Identify a national research agenda
- Accelerate efforts to provide patient’s information
- Focus on adopting the best practices
- Develop innovative tools
- Establish a new medical dispute system nationwide
- Expand access to coverage