Esquire recently released an article outlining the 10 worst sandwiches for your health. In light of the deli sandwich recall at Wal-Mart stores, many are looking at just how bad a deli sandwich can get, recalled or not.
Unfortunately sometimes it takes a situation like a food recall to get us to open our eyes to nutritional information. There are a lot of foods that are easily and conveniently available to Americans, causing rates of health issues like obesity to rise. At HQ Insurance, we want to make sure that Floridians are protected with adequate life insurance and health insurance in FL.
This week we’ll outline the first 5 “deadly” deli sandwiches:
- Arby’s Large Beef n’ Cheddar with Pepper Bacon
This large and in charge sandwich has 740 calories! The roast beef alone has 340 calories!
- Subway Chicken Bacon & Ranch
This foot long sub boasts 1,140 calories.
- Denny’s New Fried Cheese Melt
Although this sandwich is only $4, it packs in 895 calories. You get what you pay for.
- Blimpie 12-inch Hot Pastrami Super Stacked
This sandwich is both tall and long, coming in at 1,150 calories.
- Jason’s Deli – New York Yankee
This sandwich boasts 92 grams of protein, but this “quality” is quickly diminished by its 1,189 calories and 69 grams of fat!
Stop by next week when we reveal the last 5 “deadly” deli sandwiches. In the mean time, visit our Virtual Insurance Office (www.HeadquarterInsurance.com) to learn more about Florida life insurance and health insurance. Make sure you’re protected before embarking on these culinary journeys!
You might be asking yourself why someone would lie on their life insurance application. Oftentimes saving money is the driving force behind such an action, but really, you can end up paying big time in the end. Your family can be left with crippling debt from one “little white lie” on your life insurance application.
If you’ve had surgery before, have a long-standing illness such as diabetes, smoke, etc; make sure you disclose all information on your Florida life insurance application. Insurance companies can investigate the cause of an insured’s death and if they find that a cause was directly related to an undisclosed illness, for example, they can refuse to pay your family the benefits of your policy. Life insurance companies have the right to deny a claim should undisclosed information be involved. For the sake of your loved ones and the beneficiaries on your life policy, don’t lie!
The agents at Headquarter Insurance are happy to help all those in Florida with life insurance applications. We can take you step-by-step to make sure your application is most accurate. Visit our Virtual Insurance Office (http://www.HeadquarterInsurance.com) today for a free life insurance quote and learn more about us!
This is a question our agents get all the time. Most Floridians understand the importance of health insurance, but life insurance is a form of coverage that can oftentimes get overlooked. Life insurance is important for those of any age, health standing, etc. There can be misconceptions surrounding the details and rates of life insurance coverage.
One major misconception of Florida life insurance is that those in poor health cannot obtain a policy; this is not the case. Another common misconception is that life insurance is only for those with children. Life insurance policies are not just for the healthy, they’re for all Floridians. We provide life insurance to all types of individuals: smokers, non-smokers, parents, singles, etc.
Don’t make the mistake of overlooking life insurance coverage. You should always talk to an insurance agent before making such a decision. Lucky for those in Florida, it doesn’t cost you a dime to talk to the agents at HQ Insurance. We encourage those searching for Florida life insurance to call us at 800.625.3778 to discuss the coverage options available that suit your lifestyle.
To get informed and to get a free online quote for life insurance in FL, visit our Virtual Insurance Office today at www.HeadquarterInsurance.com.
Last month, we posted a link to a CNN article about fake health insurance plans being peddled all over the country. The con artists behind these plans have now touched down in Florida.
News Channel 5, WPTV, posted an interview on Monday with Gladys Kaplan, 63, of West Palm Beach, who was duped by a health insurance coverage scam. Kaplan had been turned down by a couple of insurance companies because of her pre-existing conditions. Another health insurance agent suggested AIM, Association of Independent Managers, who offered her a plan for $350/month.
Kaplan quickly realized a few weeks later that something was fishy regarding her new health coverage. Her claims were not being paid and every time she called customer support, no one knew who she was or knew anything about her claims. It turned out that Kaplan was one of an estimated 1800 customers who were conned by AIM. The company is being accused of marketing unauthorized health insurance plans under many different names and the state of Florida recently ordered the company to cease and desist.
Sometimes when people have been denied health coverage, they think the companies that promise low prices and empty promises are their only option. There is a form of coverage available called guaranteed issue health insurance that covers many of those with pre-existing conditions and diseases. There are agencies all over the country who offer these plans, including our company right here in Florida!
Don’t let yourself fall victim to a health insurance scam; always speak to a professional insurance agent before purchasing coverage. The agents at Headquarter Insurance are happy to address your concerns regarding all Florida health insurance coverage. Visit our website today at www.HeadquarterInsurance.com to learn more about health insurance in FL. You can call us at 800.625.3778 to speak with an agent about legitimate health coverage.
The Wall Street Journal’s Alan Murray sat down with Aetna Chairman and CEO Ronald Williams last week to discuss health care reform and what it will mean for Americans.
Williams has been a strong advocate in the health care community for the new legislation, but he also acknowledges that the reform comes at a price. “To get more you have to pay more,” he says regarding the coverage in the new legislation. However, Williams points out that the benefits outweigh the negatives, as the number of insured Americans will increase.
You can watch Williams’ interview on health care reform in its entirety below:
Have questions regarding how the health care bill will affect your Florida health insurance coverage? Call the agents at HQ Insurance to discuss your policy at 800.625.3778. You can also learn more about health insurance in FL by visiting our Virtual Insurance office at www.HeadquarterInsurance.com.
Once in a while, our agents get questions from clients about critical illness insurance (or critical care insurance); although, most have never heard of it. A recent National Underwriter article says that this form of coverage is becoming increasingly popular.
Critical illness insurance is a form of voluntary coverage that helps those who require constant critical care. Those with critical illnesses, such as cancer and multiple sclerosis, require constant medical attention, doctor’s appointments, prescriptions, etc. Critical care insurance policies cover those costs that may exceed your health and/or life insurance coverage. Every insurance company will differ as to what they consider to be a critical illness.
If you have a critical illness that qualifies you for this type of policy, you can receive tax-free cash benefits that can be used for bills, at-home care, deductibles, etc.
Questions about Critical illness insurance and your Florida health insurance plan? Visit our website today at www.headquarterinsurance.com or call us at 800.625.3778.
The Department of Health and Human Services recently launched a new website which will serve as a health insurance resource for people throughout America. HealthCare.gov has a plethora of health insurance information regarding insurance options, health prevention, and tools to compare care quality.
One of the highlights of HealthCare.gov is the “Understand the New Law” feature. This section of the website explains many of the things you need to know about health care reform in the United Sates and what the Affordable Care Act will mean to Americans. There is an interactive timeline called “What’s Changing and When” that outlines the details of the Affordable Care Act between now and 2015. HealthCare.gov was created as a result of the new consumer protections outlined in the health care act. The site was built in order to help consumers compare health insurance coverage options and make an informed decision of what coverage works best for them.
You can also search the website for health insurance coverage options by state, so finding information about Florida health insurance is even easier. HealthCare.gov provides Florida health insurance information for individuals, families with children, senior, young adults, and people with disabilities. Using HealthCare.gov is a great way to do you research before purchasing any Florida health insurance policies.
Questions about health care reform and what it will mean for your Florida individual and family health insurance coverage? Visit Headquarter Insurance today at www.headquarterinsurance.com or call one of our agents at 800.625.3778.
Millions of Americans are affected by the rising costs of health insurance coverage. Too many Americans find themselves without coverage because they believe they have no other options. Lucky for those in Florida, there is an answer: Guaranteed Issue Health Insurance.
Guaranteed Issue Health Insurance is a type of policy that covers those who have been denied coverage due to pre-existing medical conditions. It can be difficult to find agencies that provide this coverage, but it’s becoming increasingly popular given the current climate surrounding health insurance and health care reform.
Guaranteed issue health can cover many things that traditional health plans do, such as:
- Hospitalization
- Doctor Visits
- Prescriptions
- Surgery
Many of those with “uninsurable” diseases also find themselves being covered under a guaranteed issue health insurance plan. Those with diabetes, heart disease, or cancer, for example, can often find adequate health insurance coverage through a guaranteed issue plan.
If you are in Florida and are unable to find health coverage, contact one of our agents today by visiting www.headquarterinsurance.com or calling 800.625.3778 and ask about guaranteed issue health insurance.
One of our agents stumbled upon an interesting article yesterday, from CNN Money, about fake health insurance coverage being peddled across the country. In the wake of unemployment and health care reform, many people are scrambling to find affordable Florida health insurance. Beware; the cheapest option is not always the best option.
CNN’s article points out that many Americans are finding flyers in their towns and neighborhoods advertising low cost health insurance, some plans as little at $29.99 a month. Any Floridian with a health insurance plan knows how absurdly cheap that sounds, but at what price? These types of plans are scams aimed at those without health insurance, especially the unemployed. Plans like this do not actually cover much of anything, paying little to no money on your claims. Have outstanding medical bills? Good luck getting your “cheap” insurance plan to cover them. Overwhelming prescription costs? You’ll be footing the bill for those.
CNN Money offers these tips and tricks to keep yourself out of any health insurance scams:
- Beware of pushy marketers who won’t let you see the policies they’re offering, and/or ones who try to get you to buy the policy on the spot.
- Call your state’s insurance department to confirm that the seller/marketer is license to do business in your state.
- Speak with your family and friends for health insurance recommendations. It’s always better to go with who you know rather than strangers promising low prices.
Many of those who do get wrapped up in these health insurance scams can not only accrue high medical debt, but also have their credit score affected by not having the ability to pay those bills.
If you want a real quote for a Florida health insurance plan, contact the agents at HQ Insurance today by calling 800.625.3778 or visiting our Virtual Insurance Office at www.headquarterinsurance.com.
This week will conclude our series on the most common Florida health insurance questions. This week’s questions come from two of our personal insurance clients. In the current economic climate, many of our customers are asking us how to cut corners and save money on their insurance policies. This happens a lot when discussing health insurance.
A few days ago, one of our life insurance clients from Sunrise, FL asked us to quote her family for health insurance. She is currently working part time and her employer is not offering a sponsored plan. She was shocked to see the price of footing the bill herself. Her question to one of our agents was:
How can I survive without health insurance?
As insurance professionals, our agents never recommend going without proper coverage, especially when it comes to health insurance. Health insurance is one of the single most important forms of coverage one can have. As we explained last week, health insurance saves you and your family from costly medical bills that can cripple you in debt. Without health insurance, you have to pay for doctor’s visits, consults, emergency room visits, prescriptions, and more at full price. Many people don’t realize just how expensive these things can get until they are left without coverage. To answer the question at hand, unless you have an unlimited resource of funds, you really can’t survive without health insurance coverage, especially if you have kids. Children require regular check-ups and physicals and routine visits to the dentist, eye doctor, etc. The cost you pay upfront for a health insurance plan will save you a lot more money down the road.
Our agents tend to get a lot of questions regarding what health insurance companies will and won’t cover for costs. Last week we had a call from a frantic client asking this question:
I have numerous medical bills that my health insurance company won’t pay. Where do I turn?
Health insurance companies reserve the right to deny a claim for numerous reasons. If you’re in a group plan through your employer, it might be that you didn’t get something approved by your plan prior. Sometimes even when you take all the right steps, the company will still deny your claim for one reason or another. The safest way to prevent a claim denial is to never assume what is detailed in your plan. If you think your specialist is in your network, double check before making your appointment. If you’re not sure if dental is included in your plan, read through before your visit.
If something is not outlined in your plan coverage, there’s not much you can do other than pay the bill yourself. Sometimes employers will pick up the tab, but in most cases this only happens if there was a change to your plan coverage and you were not notified.
If your employer offers, you should take advantage of a Health Savings Accounts (HSA). HSAs are savings accounts separate from your health insurance plan in which you can contribute money to in order to pay for non-covered health costs. HSAs can cover things like braces, glasses, prescriptions, and more.
Have more Florida health insurance questions? Visit our website, www.headquarterinsurance.com today for more information and a way to contact our agents. We’re happy to answer your questions and find you affordable health insurance in FL.
National Underwriter Life & Health- VAs with GLB Rider Rose 18% in 2Q September 3, 2010Variable annuities (VAs) carrying a guaranteed living benefit rider generated $20.3 billion of new deferred VA premium in the second quarter of 2010, an 18% increase over the first quarter. […]
- Workers Share More of Health Coverage Cost: Kaiser September 3, 2010A study by two nonprofit organizations finds employees contributing a greater share of their employers’ health care coverage than they did last year. […]
- Older Workers’ Retirement Confidence Rebounds: Survey September 3, 2010Older workers’ have become more assured of their ability to retire comfortably has rebounded modestly in the past year, although they are still not as confident as they were before the financial crisis. […]
- PPACA Exchanges Could Spur Health Coverage: Rand September 3, 2010Creation of health exchanges through the new healthcare reform law will result in a net increase in the number of employers who offer health insurance coverage, a new study by the RAND Corp. predicts. […]
- Hartford: More Workers Sign Up for Life Insurance, but Understanding Lags September 3, 2010The number of workers signing up for life insurance benefits increased to 69% in 2010 from 64% in 2009, according to a new report. […]
- VAs with GLB Rider Rose 18% in 2Q September 3, 2010
- Central Florida News 13
- Oviedo’s ‘Field of Dreams’ becomes a reality September 4, 2010The Oviedo High Lions played their first game on the $500,000 field Friday night. […]
- Week 1 high school football scores throughout Central Florida and the Tampa Bay area September 4, 2010Week 1 High School Football Scores - September 4, 2010 […]
- School district still expecting deficit despite federal funding September 3, 2010A group of 26 states, including Florida, will use $170 million in federal money to find innovative ways to test students. […]
- Cocoa Beach gears up for surfing festival September 3, 2010Strong rip currents are threatening beaches along the coast as competitors are gearing up for the 25th annual National Kidney Surf Festival in Cocoa Beach. […]
- Deadline passes for Amway Center area improvements September 3, 2010Four weeks before the grand opening, much is left to be done outside the Amway Center […]
- Oviedo’s ‘Field of Dreams’ becomes a reality September 4, 2010