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


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.

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Florida Healthcare  Insurance Blog
by GreatFlorida Insurance

The tradition of giving thanks during November began with the Pilgrims, giving thanks to God for survival and a plentiful food harvest.  However, you do not need to be religious to experience the significance of gratitude.

“Gratitude is not just a positive sentiment, it is a mentality, a practice that can improve several areas of your life,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent healthcare insurance agency. Being thankful is beneficial to our physical, mental and emotional well-being.

Physical Benefits

Having an attitude of gratitude is proven to boost your immune system and lead to better sleep while contributing to higher energy levels and more exercise. WebMD reports that stress is linked to several leading causes of death including, heart disease, diabetes and cancer.Healthy-Living-insurance

Stress is the result of 90 percent of all doctor visits. Being thankful can help people cope better with pressure on a daily basis. A University of Utah study showed that stressed out law students who were optimistic had more immune boosting blood cells than their pessimistic peers.

Bing Crosby sang, “When I’m worried and I can’t sleep, I count my blessings instead of sheep and I fall asleep counting my blessings,” there is some truth to the popular tune.  Stress is also a culprit of sleep quality and restfulness.  According to a 2012 study published in Personality and Individual Differences, grateful people were more likely to exercise more often and attend preventative check-ups with their doctors. These factors, along with quality health insurance are likely to contribute to a healthy lifestyle.

Mental Benefits

Being thankful can contribute to a more optimistic outlook on life, less materialism, less self-centeredness and increased self-esteem.  When you are thankful for what you have, you begin to starve the need for more in your life. When we get more, we seem to want more, which places us in a cycle of discontentment.

“Being thankful can cause you to think about yourself less and focus more on others,” comments Buck, from GreatFlorida Insurance. An article found in Psychology Today says, “Thankfulness is reported to reduce toxic emotions such as envy, resentment, frustration and regret.” Examinations by Robert Emmon, a leading gratitude researcher found gratitude effectively increases happiness and reduces depression.

Emotional Benefits

Let’s face it- no one enjoys hanging out with “Debbie Downer” complaining about their problems. People who are thankful are characteristically happier, less envious, more relaxed, kinder, are more social and maintain stronger friendships and marriage relations.

A 2014 study published in Emotionnews, found that thanking a new acquaintance makes them more likely to seek an ongoing relationship. Write a thank-you note, thanking someone for even a small act of generosity can open doors for new and meaningful relationships.

If some of the following claims leave you feeling a bit dubious, check it out for yourself. Try keeping a thankful journal and record your blessings on a regular basis. Also, try to reframe a situation that seems negative by viewing it through the lens of gratitude, you might find yourself thankful for the situation.

At GreatFlorida Insurance we promote healthy lifestyles. Part of maintaining good health, begins with dependable health insurance. Our top notch healthcare insurance agency can help you find the right insurance policy to fit your lifestyle. Give us a call today.

The post Gratitude appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Childhood obesity is a problem not only for children in Florida but one in three kids in the United States is overweight.

Recently, a group of researchers from Duke-National University of Singapore analyzed children’s food diaries, changes in Body Mass Index (BMI), weight, height and physical activity. Their findings show children who gained the most weight over the course of three years ate more butter and margarine, breaded fish and chicken, processed meat, French fries, milk, sweets and sugary beverages.

The authors singled out one food in particular, potato chips. “Potato chips are the most obesity-promoting foods for youths to consume.” Foods associated with staying at a healthy weight included, whole grains and high fiber breakfast cereals.eating-chips_0

“Childhood obesity is threatening the future of our children,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent healthcare insurance agency.  “I think parents are sometimes in denial over the serious health threat this poses to our children. It is the responsibility of the parents to make sure our children are healthy, so we can provide them with a positive future.”

According to the American Academy of Pediatrics (AAP) childhood obesity can lead to diabetes, high blood pressure and high cholesterol. Children can also suffer from poor self-esteem and depression.

So how do you know if your child is overweight? Not all children carrying extra weight are considered overweight or obese.  The Mayo Clinic reports you cannot just look at a person and make this evaluation.  Some children have larger than average body frames. They can carry different amount of body fat during various stages of development.

The Centers for Disease and Prevention (CDC) defines an overweight child as one who has a BMI at 85 percentile or above. A child with a 95 percentile BMI or higher is considered obese.  A BMI is age and sex-specific for children and teens. “BMI is calculated by dividing a person’s weight in kilograms by the square of height in meters.”

Lifestyle choices are usually the cause for overweight children. It is important that parents and family members model healthy habits. The AAP recommends the following habits to guarantee your children are healthy.

  • Focus on bedtime- children who sleep less than nine hours a night are more likely to be overweight.
  • Get moving! Promote physical activity by going for walks, a bike ride, taking the stairs or getting involved in team sports.
  • Make healthy foods more visible and accessible. Keep fruit and vegetables on the kitchen table or counter or at the front of the refrigerator.
  • If you have high-calorie foods or sugary snacks for a celebration, buy them right before the event and get rid of them immediately afterward.

Having dependable health insurance can help promote a healthy lifestyle. GreatFlorida Insurance provides quality health insurance to keep preventative care doctor check-ups at a minimal cost for you and your entire family.  Contact GreatFlorida Insurance today for a free quote.


The post What is Making Florida’s Kids Fat? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Florida-Health-InsuranceFlu season has arrived. The United States Centers for Disease Control and Prevention, CDC has already reported sporadic flu outbreaks in Florida. The Florida Department of Health estimates 15 to 40 percent of the population suffers from influenza every year.

More people tested positive for flu last year than the previous year in part, because last year’s flu shot was only 13 percent effective. According to the CDC, the vaccine did not fully protect against a mutated strain that developed after flu season started.

The 2015-2016 flu shot will include two additional strains that were not included last year’s vaccine and it is reported to be 50 to 60 percent effective.  The shot will cover two A viruses and one B virus.

Many people have excuses as to why they do not get vaccinated. Below GreatFlorida Insurance helps to dispel some common myths regarding the flu shot to encourage people to get vaccinated.

The flu shot gives you the flu– The virus in the flu shot is inactive, so you cannot get the flu from the flu shot. Minor side effects include soreness, redness or swelling at the injection point. A low grade fever and aches may occur.

You don’t need the flu shot if you got it last year-You need a new flu shot every flu season because flu viruses are constantly changing and there are different circulating strains from year to year being treated by the vaccine.

Flu vaccines contain dangerous ingredients-Flu vaccine ingredients are safe with the exception of those with allergies to the specific ingredients in the shot, such as Thimerosal and gelatin.  Those with allergies to eggs can receive a vaccination developed with no trace of eggs. The CDC works closely with the U.S. Food and Drug Administration, (FDA) to maintain high quality standards.

Getting the flu will just strengthen my immune system-Some people who get the flu can experience serious complications. Some can be infected with the flu virus without experiencing any symptoms and unknowingly spread it to others putting them at risk.

The flu shot cannot offer 100 percent protection from the flu. The CDC recommends everyone over 6 months of age receive a flu shot unless there is a medical reason not to such as those who have suffered Guillain-Barre Syndrome or GBS, consult with your medical doctor first.

The flu shot is covered at no cost to the patient by most health insurance plans, including Medicare Part B. The flu vaccine is convenient to get and available at many pharmacies such as CVS and Walgreens, walk-in clinics, public health facilities and the doctor’s office. It takes two weeks for your immunity to build up after getting a flu shot so the CDC recommends getting vaccinated sooner rather than later.

Alternatives to the traditional flu shot:

  • High dose vaccine for those 65 and older, it contains four times the antigens of the regular flu shot creating a stronger immune response for those at greater risk for developing severe flu related illness.
  • Flublok is a vaccine for those with an allergy to eggs but might need to be requested in advanced.
  • Intradermal is ideal for adults 18- 64, who have a fear of needles. According to WebMD, the needle is smaller and only penetrates the top layer of skin instead going down to the muscle.
  • Nasal flu mist is a live virus sprayed into the nose and is painless. It is approved for use in healthy people 2-49 years of age.

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to for a free quote today.


The post Flu Shot Myths appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Florida-CyclingRiding a bicycle gives you a chance to enjoy fresh air, save money and get exercise. The U.S. Census Bureau reports from 2000-2012, bikers commuting to work has increased by 60 percent. Unfortunately, Florida has a reputation as not being a safe place to enjoy this recreational activity.

The subject of drivers vs. cyclists can also set off a heated debate. While we are not advocating a firestorm, the truth lies in the startling facts. Florida newspaper, New-Press, reported on the subject reveling 120 people were killed on bikes in Florida last year.  Most of the victims were males over 20 years of age.  985 bike crashes happened in Miami-Dade County.

“It is beneficial for drivers and bicyclist to look at the road as being shared, said Ellsworth Buck, Vice President of GreatFlorida Insurance. “Mixed transportation can cause everyone on the road to slow down a bit, pay closer attention and create a safer environment.”

The Governor’s Highway Safety Association (GHSA) released a study citing an increase in bicyclist’s deaths across the United States.  Between 2010 and 2012, biking fatalities have increased 16 percent, with Florida being among the top states.

The lax laws could be partly to blame. If a driver accidentally kills a pedestrian or bike rider in Florida, they receive a fine as opposed to a criminal charge. The maximum fine a judge may impose for a moving violation is $1,000. Other penalties, such as court costs could be included.

Jonathan Adkins, GHSA Executive Director believes better education for motorists and cyclist as well as promoting helmet use, stricter motor vehicle laws and implementing infrastructure changes, (such as designated bike lanes) could help prevent a greater number of fatalities.

It does not take an engineer to figure out that a cyclist being struck by a 3,000 pound vehicle is going to be injured. A 2013 study from AAA’s Foundation for Traffic Safety reports that a person struck by a car traveling 25 mph has a 10 percent risk of dying. At 40 mph, that risk increases to 50 percent.

The News-Press found the most common cause of a bike crash was a motorist failing to yield.  But, motorists are not always to blame. Visibility especially at night can be a real problem for drivers who cannot see cyclists. The law requires rear and front lights on a bike; you cannot just depend on reflectors or reflective clothing.

Other tips that can keep bicyclists safe include, always wearing a helmet, keep your bike properly tuned-up and make sure you ride on the road, not the sidewalk and the correct side of the road.

GreatFlorida Insurance always promotes road safety so motorist, cyclists and pedestrians can share the road. Make sure you are protected in the unfortunate case of an accident. GreatFlorida Insurance offers quality auto insurance and health insurance throughout the state. Contact us today to get a free quote on auto insurance or health insurance.


The post Motorist vs. Cyclists appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

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.


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