What are the major advantages of using Southern Fidelity Insurance?

Though it may not be your specific experience, there is absolutely no reason whatsoever to have to deal with any headaches or hassles whatsoever when selecting a new insurance company or new insurance coverage policy.

When you decide to move forward with the Southern Fidelity Insurance services (and any of their top-flight insurance coverage plans or protection options), you’re going to experience firsthand just how simple and straightforward the entire insurance process can be.

Here are just a few of the big advantages that you are going to be able to leverage the moment that you become a member and client of the Southern Fidelity Insurance program!

Complete and comprehensive coverage that you may not have received otherwise

Finding typical homeowners coverage, condo coverage, or renters coverage isn’t all that difficult – but trying to find a top-flight insurance agency that offers all of the above coverage options as well as:

  • Residential insurance protection
  • Commercial insurance protection
  • Fire insurance protection
  • Flood insurance protection
  • Identity theft insurance protection
  • Equipment insurance protection
  • And so much more!

…is going to be next to impossible, unless of course you decide to move forward with Southern Fidelity Insurance.

Each and every single one of these comprehensive insurance plans will provide you with the protection and peace of mind you’re after, without ever threatening to break your bank account or budget at any point in time.

Professional and competent customer service agents and insurance agents to assist you every step of the way

Another of the major advantages that you will be able to leverage as soon as you become a member of Southern Fidelity Insurance would have to be the communications with professional, competent, and expert customer service and insurance agents all throughout the company – regardless of who you speak with at any point in time.

Every single member of this insurance agency has been trained in customer service relations and has been empowered to do absolutely everything they can to give you the desired outcome that you’re after – allowing you to take full advantage of every drop of protection that your insurance plan provides.

Sure, other companies promise the moon and the stars when it comes to their customer service agents and insurance agents, but we all have noticed just how short they often fall.

You will never notice that when you move forward with Southern Fidelity Insurance.

High tech insurance solutions (including paperless account management) to help streamline the effectiveness and efficiency of your insurance policies

The final big benefit that we are going to touch upon right now (but certainly not the last big benefit that you’ll be able to enjoy when you use Southern Fidelity Insurance) is the high tech insurance solutions that they rollout on a regular basis.

As innovative as any insurance agency around the world, Southern Fidelity Insurance uses paperless account management setups (should you decide to take advantage of them) and other advanced tools and technologies to give you the account management you need in our high tech world – without any headaches or hassles whatsoever!

The Changing Face of Health Care

It was the joke heard round the world.  Brad Paisley and Carrie Underwood making fun of Obamacare at the 2013 Country Music Awardsin November.  The new website had rolled out and only six people had applied.  It seems, however, the tide is turning.  Presently, there are over 100,000 people who have applied online for Obamacare and that number seems to be growing.

What is Obamacare?

First and foremost, Obamacare is actually called the Patient Protection and Affordable Care Act.  It mandates that everyone needs to get some form of health insurance or pay a fine.  The plan is helpful for the middle class because it taxes high-income families and some health care providers.  The goal of Obamacare is to provide health care for all people regardless of their income.  It also wants to lower premiums from insurance companies and stop putting money in their pockets.  Smaller business owners will also benefit because they won’t have to pay large premiums. Your best bet is to start by contacting an online agent like http://yourfloridainsurancequotes.com/health-insurance-quote/ to get a baseline for comparision as they can give you a quote from every health insurance agency in the industry.

Obamacare also gets rid of the dreaded “pre-existing” condition.  This is the excuse that insurance companies use to not pay the bills.  If you can not show proof that you were covered eighteen months prior to switching to your new insurance company, then your insurance company will not cover what they deem “pre-existing.”  Anything can fall under this category.

The good news for parents and children is that children can be covered until they are 26.  This works out really well for college kids.  They will be covered while they are in college and after they graduate.  Supporters of Obamacare say that this way, the younger customers (i.e healthier) don’t have to pay outrageous premiums which just adds to insurance companies’ profits.  On the flip side, seniors on Medicare will have cheaper costs for prescriptions, emergency room visits and hospital care.

What if you already have insurance?

Don’t worry if you already have insurance.  Under Obamacare, you are allowed to keep your insurance, but what if you lose your job or you can’t afford your premiums?  This is when you sign up for Obamacare because under this plan, everyone can find affordable insurance.  This also applies for those already on Medicare and Medicaid.  You don’t have to worry about your insurance.  Other people who don’t have to worry about their insurance plans are people who have insurance through a retiree program or a veteran plan.  If you don’t have insurance, you have to get it by March 31, 2014.  If you don’t, then you will be fined with a tax of up to $285 per year. According to the plan, if you fall under the level of poverty ($15,000/individual or $30,000/family of four, you can get Medicaid.

It will take time for the country to transition to Obamacare.  However, supporters of the plan believe that by 2017, everyone in the United States will be covered by affordable healthcare.  If you have any questions or concerns, you can visit the government website at www.healthcare.gov.

Federal Shutdown and Insurance Rates

Federal Shutdown and Insurance Rates

Florida insurance rates are in the news quite a bit, this last month or so, due to the Federal shutdown.  At the center of the shut down is the Affordable Care Act, or Obamacare.  One extreme outcome of the deadlock is how much people are being asked to pay for flood insurance.  Both issues impact Florida residents, but sometimes it is difficult to understand the dynamics of both of these issues with the current political rhetoric flying around.

The Affordable Care Act

This hotly debated law that was signed in 2010 is really the expansion of insurance first provided through the Social Security Administration when Lyndon Johnson signed it into law in 1965 as part of the Social Security Administration.  This law, however, was signed after twenty years and quite a bit of whittling.  In 1945 Harry Truman first requested a National Health Insurance program and it took that long for people to get it passed through Congress.  He and other groups like the American Medical Association saw a continued need to take care of the elderly and poor who did not have access to medical attention.  Truman’s vision of the law was to look much like the intent of the current Affordable Care Act.

Medicare between 1965 and 2005

Over 19 million people over the age of 65 signed up right after Medicare was enacted into law.  Other presidents have seen fit to expand Medicare to include more services.  Richard Nixon extended it to individuals under the age of 65 who had disabilities.  George Bush expanded it further by offering prescription drug benefit and additional coverage at another premium

Medicare in 2010

It was these expansions that led to president Obama attempting to expand Medicare’s model to Truman’s original vision of a national health care plan.  One thing it proposes for people who qualify for Medicare is to raise the limit on income by 133%. The level of expansion and the attempt at adjusting some of the given private insurance laws concerns partisan groups.  Although private insurance companies have slowly been adjusting since 2010, there is concern that the burden of insurance being passed onto the private sector may be cumbersome on the economy.

Impact on Florida?

As if moves forward and people call for Florida insurance quotes under the new law, what will really be of note is the income of people trying to access health care. If you are in that spot that puts you between a rock and a hard place for insurance, this may help because they have raised the eligibility ceiling.  If you have higher incomes and less need for this, or if you choose not to use insurance, then the penalties advertised in the law will be of concern.

It was difficult enough for health care providers to figure out the simpler Medicare D package given out by George Bush in 2003, and this will also take some time and adjustment.  It is advertised that the law is not supposed to impact existing programmes.

What we do know is that the first time a shut down was this severe it was because of an argument over Medicare spending by the Federal Level and both parties were deadlocked, leaving the country in a lurch.  With this expansion of Medicare to Truman’s National Health Insurance idea, it appears the deadlock is similar.

Flood insurance

Of a deeper concern for many Florida residents is the skyrocketing cost of flood insurance due to the national crisis Hurricane Sandy’s devastation.  Since flood insurance is federally mandated, people want to know if there is any possible relief from their bills coming due.  Just because the government is shut down, doesn’t mean that the premiums aren’t due and one article posted a person’s bill at around $68,000 dollars.  The person’s last bill was a $4,600.  That person also lived further up the coast in Massachusetts.

Since 80% of Florida residents live in a flood prone area, this impacts a great deal of homeowners. Many see the rates as tripled what they were. They see the rate hike as simply the insurance companies trying to help the federal government.  They see it as an attempt to get back some of the money they shelled out in putting New York and New Jersey back together after Hurricane Sandy.

What the shutdown has complicated is that nobody can call someone up at the federal level to get answers.  People want to debate as to why the flood rates have gone to the moon for people calling to Florida insurance quotes.  The real problem is there used to be a peer reviewed process on flood insurance maps that set up the rating system.  There’s just nobody to call up and ask about how they are going to review the maps or how (or if) the federal government is going to find away to give property owners a reprieve on these new rates.