GreatFlorida Healthcare Insurance - Lake Wales, FL - Esther Echeverria
Healthcare Insurance in Lake Wales, Florida
Healthcare Insurance Agency in Lake Wales, Florida

Healthcare Insurance Agency - Lake Wales, FL

Esther Echeverria

863-676-2886

Esther Echeverria - GreatFlorida Insurance - Lake Wales, FL.

1386 State Road 60 East
Lake Wales, FL. 33853
Fax : 863-676-3432

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Lake Wales, FL Health Insurance

Healthcare Insurance | Lake Wales, FL

You might be the picture of health, or have suffered with health issues for years. No matter your situation, there is no denying Lake Wales, FL residents need health insurance.

GreatFlorida Insurance can help you navigate through the process of selecting the right coverage level for you and your family.  Our relationship with Blue Cross Blue Shield of Florida or Florida Blue, offers our customers quality healthcare services with a broad range of network doctors and healthcare specialist in Lake Wales.

Esther Echeverria at GreatFlorida Insurance Lake Wales, FL will explain the new healthcare laws, plan features and benefits as well as co-pays and deductibles. We will make sure to find a plan that fits your budget while leaving you feeling comfortable about your future healthcare plan.

Your local GreatFlorida Insurance Agent in Lake Wales can help you find the right Healthcare Insurance policy at the right price. more...

Lake Wales, FL Health InsuranceHealthcare Coverage FAQs

You cannot afford to gamble with your health. Life’s unforeseen events such as an accident or sudden illness can catch you off guard financially.

GreatFlorida Insurance has affordable medical coverage in Lake Wales that can protect you and your family from emergencies and keep you maintaining a healthy lifestyle with preventive care.

Our experienced agents in Lake Wales can help you asses your current and future healthcare needs to find health insurance to fit your budget.

We offer flexible healthcare plans that provide a variety of services while offering a comprehensive network of doctors and medical facilities for your convenience.

Do not let the cost of medical insurance rob you of a healthy lifestyle. GreatFlorida Insurance can make it easy for you to find affordable, quality health care coverage.

Lake Wales, FL Health InsuranceDo you need Health Care Insurance?

GreatFlorida Insurance is committed to helping Floridians make informed decisions about their health care. Health insurance is designed to protect individuals and families from the high costs of health care.

Whether you are facing a pre-existing health condition, an emergency situation or just want preventative and wellness care, health insurance will pay part of your costs.

GreatFlorida Insurance offers coverage through Blue Cross Blue Shield of Florida, also known as Florida Blue.

We can help clear up any confusion about recent health reform, the Affordable Care Act, (ACA) and answer any of your questions concerning health care.

How does health insurance work?

Your health insurance plan is a contract between you and your insurance company.

You pay a monthly bill called a premium for the health plan and the insurance company agrees to pay part of the costs for covered medical services.

Blue Cross Blue Shield has four levels of coverage, bronze, silver, gold and platinum.

The plans have varying costs and coverage to meet your needs and budget. Another option includes a Catastrophic Plan for single people under 30 who qualify through financial hardships.

GreatFlorida Insurance can help you understand your choice of plans and options for health care through Florida Blue.

We will help you apply for and enroll in a plan that works best for you.

Affordable Care Act

In March 2010, President Obama signed into law, comprehensive health reform, Affordable Care Act, (ACA). The law makes preventative care more accessible and affordable for many Americans.

The health care law is designed to provide better benefits and expanding coverage while creating a stronger Medicare program.

What if I do not get health insurance in 2014?

If you can afford health insurance but choose not to buy it, you will be penalized and must pay a fee. The fee in 2014 is 1 percent of your yearly income or $95 per person for the year, whichever is higher.

The fee increases every year. In 2016 it is 2.5 percent of income or $695 per person, whichever is higher. In 2014 the payment for uninsured children is $47.50 per child.

New Options Include:

Floridians can find out if they are eligible for lower costs for private insurance or health programs like Medicaid and the Children’s Health Insurance Program, (CHIP) and enroll in health coverage.

Parents can keep their children on their health insurance policy until they turn 26 years old.

Insurers can no longer deny coverage to children because of pre-existing conditions such as asthma or diabetes.

In 2014, health insurers will no longer be able to charge more or deny coverage to anyone with a pre-existing condition.

Health insurance companies now have to spend at least 80 cents of your premium dollar on health care or improvements to care or provide you with a refund.

Insurance companies are required to publicly justify their actions if they want to raise rates by 10 percent or more.

Insurance companies are banned from imposing lifetime dollar limits on health benefits. The law also restricts the use of annual limits and bans them completely in 2014.

Preventative services such as colonoscopy screening for colon cancer, Pap smears and mammograms for women, well-child visits and flu shots for all children and adults, will be covered with no deductible or co-pay required.

Increases funding to community health centers

Strengthens Medicare Program

Increasing coverage for brand name and generic drugs

No deductibles or co-pays for preventative services seniors and people with disabilities

Extends the life of the Medicare Trust Fund by ten years

Simply call 863-676-2886 or complete our online quote request form. A GreatFlorida Health Care Insurance Agent in Lake Wales will help you find the best deal for you.

by GreatFlorida Insurance
7/21/2015

Florida Auto insuranceBeing in a car accident is stressful and can leave you feeling a bit overwhelmed.  According to the Florida Department of Motor Vehicles, there are over 16 million drivers in Florida and over 200,000 car accidents every year. A car accident can leave even the most level headed driver startled.

“Being prepared for the unexpected can help”, says Ellsworth Buck, Vice President of GreatFlorida Insurance. “It’s a good idea to keep your vehicle registration, auto insurance card, health insurance information and emergency contacts in the glove compartment so they can be easily accessed in an emergency.”

There are some simple steps to take in order to make the experience less traumatic:

  • Take a deep breath and try to remain calm.
  • Check for injuries, if you are uncertain about the severity of an injury call 911 for medical assistance and ere on the cautious side.
  • If the accident is minor, try to move the vehicles to the shoulder of the road or a safe area, out of traffic.
  • If the car cannot be moved, the driver and all passengers should remain in the car with seatbelts fastened to prevent further accidents.
  • Turn on your hazard lights. Place flares or warning signs if you have some, behind the car to warn oncoming traffic.
  • Call the police even if the accident is minor, they will let you know if an officer needs to be present.
  • Call your insurance agent immediately.

Make detailed notes, important information to gather will be:

  • Drivers, occupants and witnesses names and phone numbers and email.
  • If the name on the auto registration is different than the driver involved in the accident, make a record of the relationship.
  • The vehicle make, year, color, model and license plate number
  • Get the drivers insurance company name, phone number and policy number.
  • If emergency services respond record the police report number, officer name, phone number and badge number.
  • Take photos of the damage on all vehicles involved.

Some additional tips for your protection include:

  • Do not sign any documents unless they are for the police or your insurance agent.
  • Do not tell anyone the accident was your fault even if you think it was.
  • State only facts and limit the discussion of the car crash to the police and your insurance agent.
  • If possible, do not leave the accident scene before the police and other drivers do.
  • Be polite– a car accident is a volatile and sometimes frightening situation.  Being polite will help keep emotions cool and the situation calmer. It is not the time to lay blame, even if the accident was not your fault. Check with the others involved and make sure everyone is alright.

You can depend on GreatFlorida Insurance when the unexpected occurs. Our experienced agents are located across Florida and can help you find the health insurance or auto insurance ideal for your lifestyle, contact us today.

FloridaAutoAccidents

The post Steps to Take in a Car Crash appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/6/2015

This year’s Florida legislative session was filled with hostility and drama. The standard 60-day session ended three days early due to contention between the House and Senate on Medicaid Expansion. Without a state budget passed, a Special Session was called June 1 -20. An early end to the session, along with a stalemate, doomed many bills. This year there were many proposal casualties.

PASSED – NEW LAWS

  • Ticket quotas cannot be used to generate revenue for police departments.
  • States, counties and cities can only buy American made flags- a patriotic move
  • Attention craft beer lovers, 64 ounces of beer, known as “growlers” can finally be sold in Florida.
  • Drones cannot take pictures on private property; violators will not be arrested but can be sued.
  • Gay people can adopt children.
  • Florida school districts can start the school year as early as August 10.
  • Scale back testing in public schools
  • Tax cuts-about $400 million in tax cuts with sales tax holidays and a tax cut to cable, TV and cellphone services.

CASUALTIES
florida-public-employees-legislature1

  • Comprehensive state water policy
  • Medicaid Expansion
  • Prison Reform
  • Texting while driving considered a primary offense
  • Abolishment of the death penalty
  • Equal pay for women on state contracts
  • Education– school choice, eliminating sales tax on student textbooks, mandatory uniforms for K-8, a minimum $50,000 salary for new teachers, concealed weapons to be carried by designated employees on school property in K-12 schools, ban on concealed weapons on college campuses
  • Undocumented immigrants to obtain a driver’s license.
  • Tupelo honey designated as the official state honey
  • Expansion of gambling- a victory for Disney and other’s wanting to maintain a family friendly state environment
  • Legalization of medical marijuana

GreatFlorida Insurance has been serving Florida since 1991. Dedicated to helping Floridians make informed decisions about their insurance, we offer professional service and affordable insurance. GreatFlorida Insurance specializes in:  auto insurance, homeowner’s insurance, boat insurance, motorcycle insurance, commercial insurance, renters insurance, health insurance and umbrella insurance.

Our knowledgeable agents have 115 offices located throughout Florida. Reliability is a must for our customers. We provide 24-hour service, 7 days a week, 365 days a year. The right insurance coverage can give your clients peace of mind, knowing their investment is protected.

Call 888-478-7801 to talk to a local agent or go online to www.greatflorida.com for a free quote.


 

Sources: http://politics.heraldtribune.com/2015/05/06/legislature-sets-special-session/
http://www.forbes.com/sites/instituteforjustice/2015/05/18/florida-finally-legalizes-64-ounce-growlers/
http://www.tampabay.com/news/politics/stateroundup/what-passed-what-failed-in-floridas-2015-legislative-session/2234411

The post 2015 Legislative Session- What Passed What Failed? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/22/2015

Recently, an 18-month-old girl died in Panama City when her mother forgot her in the car.  The child was found unresponsive eight hours later. A tragedy like this sparks a lot of emotion- outrage, anger, disbelief, shock and heartbreak.

This kind of news makes you want to hold your child a little closer. While most parents think it could never happen to them, mothers and fathers are the most common caregivers to leave their children forgotten in a vehicle.

“Whatever the reason parents leave their child in the car, everyone can agree it is an absolute tragedy,” said Ellsworth Buck Vice President of GreatFlorida Insurance. “At GreatFlorida Insurance, we want to help prevent a horrible situation such as this from happening to families.  We hope by informing our customers and providing them with information, we can put an end to children suffering heatstroke in cars.”

Heatstroke is one of the leading causes of death among children. Kids are more vulnerable to heatstroke than adults. Their bodies warm three to five times faster than adults.  On the website, noheatstroke.org, San Jose State University Department of Meteorology and Climate Science, reports from 1998- present, 639 children have died from heatstroke. In Florida, 68 children have been forgotten in the car by their caregiver.

The National Highway of Transportation Safety Administration, NHTSA has recommendations to make sure no child is forgotten in a hot vehicle.

  • Always check the backseat before you lock the car and walk away.
  • Keep a stuffed animal or toy in your child’s car seat. When it is occupied, move it to the front seat as a visual reminder that your child is in the car.
  • When someone else drives your child, call to make sure the child has arrived safely. Consider making arrangements with your child’s daycare to call you when they are not present.
  • Utilize drive- thru services

The weather can be deceptive and is not always a reliable factor for determining car temperatures.  Noheatstroke.org reports, in 10 minutes a car’s temperature can rise over 20 degrees. Even at a temperature of 60 degrees outside, the temperature inside of your vehicle can reach 110. Cloudy days are also a threat and opening windows does not prevent heatstroke.

Bystanders are always encouraged to get involved when they see a child left alone in a vehicle. Florida’s “Good Samaritan Act,” provides immunity from civil liability for those who offer care at the scene of an emergency. If you see a child alone in a car, act immediately.  Call 911 then remove the child from the car. Spray the child with cool water, no ice. If the child is responsive, stay with them until the authorities arrive. Have someone search for the driver or have them paged at the facility you are located.

Signs of a heatstroke:

  • Temperature over 104
  • Nausea and vomiting
  • Flushed (red) skin
  • Racing heart rate
  • Skin is hot but dry to the touch
  • Confusion or strange behavior

A child dies when his or her body temperature reaches 107.  It is best to never leave children in the car unattended.

If you are looking for auto insurance, agents at GreatFlorida Insurance can help you navigate through policies and prices to find the right car insurance coverage for you.

children-safety-network-heatstroke-infographic-1-600px

The post Car-Child Safety Tips appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/20/2015

Each year many Florida drivers commit a transgression resulting in the loss of their driver’s license. Thankfully, forgiveness is extended by the state in the form of an SR22 or FR44. To help get their license get reinstated and put drivers back on the road, GreatFlorida Insurance has launched a new website, SR22.greatflorida.com.

The new website provides information specific for Florida drivers who find themselves in need of an SR22 or an FR44. “Our insurance company has been providing  auto insurance to high risk drivers in Florida for years, despite the reluctance of many insurance companies to deal with these challenging circumstances. We feel the new website will share with the public our services and help by providing accurate information that is exclusive to Florida motorists,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

A popular misconception about an SR22 and FR44, they are not insurance but actually a certificate of financial responsibility. It informs the state that you have purchased the appropriate insurance limits required to drive. The certificate is filed by your insurance agent electronically directly to the state. This alerts the state that you are maintaining continuous insurance coverage.

An SR22 can be mandated by the courts for a number of reasons including: excessive tickets and previously driving without insurance. Florida is one of the few states that necessitates an FR44. An FR44 is mandatory for those who have committed a DUI. While they detail new and possibly higher insurance limits, neither of the certificates place restrictions on your driver’s license.

Florida SR22 Insurance

For more information on obtaining an SR22 or FR44, you can visit the new website, http://sr22.greatflorida.com/, where you will find answers to many of your questions.

GreatFlorida Insurance is insurance for Floridians by Floridians. Since 1991, we have faithfully served Florida residents and their insurance needs. Unlike many insurance companies in the state, we are a network of independent, franchised insurance agents located in communities across Florida. This means we are not bound to one company to fulfill your insurance requirements, but we can shop around to find the best coverage and price for you. This flexibility allows GreatFlorida Insurance agents to craft a custom insurance policy specific for your needs, not just offer a standard insurance policy.

GreatFlorida Insurance provides homeowners insurance, auto insurance, health insurance, boat insurance, motorcycle insurance, renters insurance, commercial auto insurance and umbrella insurance. We are dedicated to providing our customers professional, prompt and courteous service. We work with reputable insurance carriers across the nation such as: Travelers, Progressive, Nationwide and more.

It is savvy to make informed decisions about your insurance. GreatFlorida agents are there to guide you every step of the way by giving you options and simplifying the process of buying insurance. Contact us online or give us a call today.

 

 

 

 

 

The post Have you lost your Florida Driver’s License? Forgiveness awaits. appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/12/2015

Treadmill-walkers-gym-Depositphotos_11275390_xlThe recent death of Dave Goldberg, known Silicon Valley executive and husband of Facebook director Cheryl Sandburg is a tragic reminder of how average exercise equipment has the potential to seriously injure or cause death to individuals.

While treadmill deaths are rare, they do occur. In 2009, Exodus Tyson, four year old daughter of former heavyweight champion Mike Tyson, died after being strangled by the treadmill cord in her home.

According to the Consumer Product Safety Commission, 24,400 treadmill injuries were reported by emergency rooms in 2014, with an average of three deaths a year for the past ten years. Common injuries include: contusions, lacerations and friction burns.

“As with any heavy machinery in your home, it is important to carefully read the directions when setting up your treadmill and review safety instructions with family members, especially children to prevent injuries,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

Over 50 million people use treadmills, making it the most popular exercise equipment. Whether you use your treadmill to stay in shape or it has become a clothes hanger, it is crucial to be familiar with safe practices. Consumer Reports has recommended safety tips to get you and your family safe.

Keep the area clear. Leave plenty of space in the back  and on the sides to avoid getting pinned against a wall or crashing into something.

Use the safety key. If you clip this onto your clothing, as soon as you fall the machine will turn off.

Straddle the deck. Allow the belt to start moving before you step on it so it doesn’t catch you off guard, don’t start the treadmill while you are standing on it.

Stay focused. Keep your head up and don’t get preoccupied looking around or fumbling with your phone.

Know your limits. Keeping track of your heart rate is a good idea, if you begin to feel unusual, dizzy or numb, slow down or stop to prevent over exertion.

Come to a complete stop. Let the treadmill come to a complete stop before hopping off.

Keep children away. Make your treadmill off limits to kids for their safety. Remove the safety key and place it out of their reach.

People suffer injuries on treadmills  for many reasons such as, the sudden acceleration or deceleration of the treadmill, a user is unfamiliar with how the treadmill works, a slick belt surface, people are not paying attention or users lose their balance.

GreatFlorida Insurance believes in safety first. If you are looking for homeowners insurance, renters insurance or health insurance, our qualified, independent insurance agents can help. We have offices all over Florida to serve you and find affordable and reliable insurance coverage you can trust.
 

 

The post Treadmill Safety appeared first on The GreatFlorida Insurance Blog.

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