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Group health insurance Florida secures the health care needs of employees of companies, small and large alike. Most companies establish a group health insurance to protect the health of their employees, although group health insurance it also available for chambers of commerce, clubs, organizations, interest groups, churches, and trade associations.
Group health insurance Florida allows employees to benefit from speedy and efficient medical treatment for free. This gives them the assurance that they do not have to fall for long time and endure the inconvenience of waiting to avail medical care. Group health insurance also works this way: If the employer decides to offer group health insurance but he decides to pay only a fraction of the premium, the employee will be responsible of shouldering the rest of the amount. This is true for family and individual coverage.
Employers and employees earn benefits from the Florida group health insurance. Since the insurance plan will handle the health and medical needs of the employees, the employer need not worry on the medical treatment of his employees. For the employee’s part, being insured makes him eligible to receive the benefits he is entitled. He is not required to pay a big sum for the premium just to get a medical insurance plan. He also does not have to worry about the medical treatment facility since expert help will always be available to suit the plan.
Compared to individual health insurance, a group insurance is more affordable. The reason behind is that the financial risk of the health insurance company is distributed among the members of the group, instead of a single person.
Flexibility is one of the highlights of a group health insurance Florida. This is includes flexibility in choosing the plan that suits the employees the most. Most companies offer many health insurance plans that employees can opt for. For the employee’s part, it is best for them to choose a plan that offers top benefits including coverage for every doctor’s visit.
Group health insurance Florida provides multiple benefits to employees, especially when it comes to health and medical care.
Group health insurance Florida is a secured health care requirement both for small and large company’s owners for their employees. It is also the best way of protection as well as insured the health of employees that is more essential for any company’s development. This sort of insurance is suitable both for profitable and no profitable organizations such as: trade associations, clubs, interest groups, churches, and other sectors. Group health insurance Florida is a best way through which you can offer effective medical care without any cost. It is faster and reliable medium than any other. With the help of this insurance, you can get both individual and family coverage easily. In case of group health insurance Florida, both the employers and employees are getting advantage without paying big sum of premium. This insurance is also more flexible and affordable for the people to manage within their limited monthly income.
The group health insurance Florida is the benefit that a few companies give to the employees, allowing them to get the private medical treatment fast & without any cost if they need. It means that the employees get medical treatment that they want without long wait & undue suffering. Obviously, this kind of the scheme has a lot of benefits to the staff and employer. For employer, the member of staff requiring medical treatment can get this fast, thus helping the speed up recovery as well as keeping the disruption because of the sickness in office to the minimum. Employee can as well be focussed on the job since they may not be spending much time worrying about the long wait for treatment on NHS, and diagnosis etc and suffering the undue pain. For employee, to be the member of the Group Health Insurance policy has a lot of valuable benefits that the monetary value will not be put on. In first instance, they do not need to pay out the huge premiums for the private medical plan – that will literally run in 3 figures each month.
They also have peace of mind, which they must need it, or expert medical assistance is accessible immediately. As a part of Group Health Insurance policy, lots of companies who do give the benefit to staff can pay for the employees for having it once in a year ‘health check’ at the private hospital. The health checks also cover weight, height, the levels of fitness, BP, blood tests and so on as well as are carried out for checking that member of the staff is in the optimum health and to spot so far undiagnosed state. Anyway, screening is very beneficial to staff & the employers. For the individual who isn’t a part of employers scheme having same sort of the health screening, cost is anything around £150 upwards, thus there is the added value to benefit. Any of the staff benefit, such as company health insurance, as well helps to boost the staff morale since it shows that employer cares about the staff.
Frustrated by a recent court decision temporarily blocking part of Florida’s no-fault auto insurance law reformed last year, state lawmakers are considering scrapping the entire law. Current proposals would reinstate to a tort system and mandate that all drivers purchase bodily injury coverage.
Florida Second Judicial Circuit Court Judge Terry Lewis recently issued a temporary injunction against parts of last year’s personal injury protection (PIP) reforms that limit medical benefits for non-emergency injuries and exclude acupuncturists and massage therapists from treating accident victims.
“If you have been here very long at all we have dealt with this issue every four or five yearswith the view that next time there ain’t going to be any next time,” said Simmons, adding that last year’s reforms were “as good a solution as possible for a system that is bleeding profusely.”
Simmons is proposing that the current no-fault law that calls for drivers to carry $10,000 in PIP coverage be replaced by one that calls for drivers to have $10,000 in property damage and $25,000 in bodily injury coverage per person for a total of $50,000 per occurrence.
Insurance representatives offered tentative support but expressed concerns over pricing and the possible consequences of moving to a tort system.
Michael Carlson, executive director of the Personal Injury Federation of Florida that represents State Farm, Allstate and Progressive, said he still supports last year’s reform effort. However, he said, given the legal challenges and other obstacles to reducing costs it may be time to scrap the PIP system.
“After decades of trying to reform PIP, to drive out the fraud and hold down costs, we may have hit a point of impasse,” said Carlson.
Carlson did suggest to lawmakers that if they press forward with mandatory bodily injury coverage they should allow drivers to purchase a lower level of coverage such as $10,000 per person and $20,000 per occurrence. He said that would allow more flexibility in pricing.
“Let the marketplace speak and let consumers make decisions so we can know what the pricing point should be,” said Carlson.
Medical providers, however, cautioned lawmakers that if they abandon PIP they should require some medical payment coverage to offset the costs of serious injuries.
Florida Hospital Association representative Bill Bell said that 418,000 accident victims are treated in emergency rooms each year and of those 30 percent to 40 percent only have PIP coverage. He said moving to a no-fault system could seriously strain hospitals’ resources since they may have to wait months to be paid.
“If the at-fault driver is not covered there are delays in payment from when doctors treat injuries to when there might be a settlement,” said Bell.
Insurance representatives also said that the repeal of PIP should be accompanied by changes in the state’s bad faith law. Under current law, if an individual disputes a claim, an insurer has 60 days to either pay the claim, resolve the dispute or be open to a bad faith claim. At a minimum, insurers said the same law should be applied to third-party claims.
Florida Association of Justice General Counsel Paul Jess, representing trial lawyers, disputed the argument. He said moving to a tort system does not necessarily mean there will be a flood of bad faith claims.
“We don’t think there is a problem under the current law that needs to be fixed and we don’t think a switch to bodily injury would cause a problem to be fixed,” said Jess.
Despite the concerns over the PIP law, statistics gathered by the Office of Insurance Regulation show that last year’s reforms have indeed lowered PIP rates since they took effect in July 2012.
Looking at the top 25 personal injury auto insurers that represent 80 percent of the market, 10 insurers that represent 42 percent of the market have decreased their PIP rates by at least 10 percent. Another four insurers decreased their rates by less than 10 percent while 7 percent filed for increases.
With the exception of State Farm Mutual — which lowered its PIP rate indication from plus 22 percent to plus 7.9 percent — the other largest insurers in the state filed for decreases in PIP rates. Geico General Insurance Co., Geico Indemnity Co., Progressive American Insurance Co., and Progressive Select Insurance Co., all filed for a 10 percent decrease in their PIP rates.
OIR Director of Property and Casualty Product Review Sandra Starnes said that it is difficult to estimate the impact of eliminating PIP because drivers purchase various amounts of coverage. She added, however, that most drivers already carry bodily injury coverage.
“It appears 90 percent of policies in Florida have bodily injury on them,” said Starnes.
Starnes told lawmakers that based on an analysis of three large non-standard insurers and two standard insurers, if the mandatory bodily limits were set at $10,000 per person and $20,000 per occurrence, non-standard insurers would see rate decreases throughout the state. Standard insurers would only see rate decreases in areas where PIP fraud is prevalent.
If those limits were increased to $25,000 per person and $50,000 per occurrence both the standard and non-standard insurers would only see rate decreases in central Miami, Starnes said.
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