By morrismoody9093 December 22, 2015
I am so pleased with Sawyer Insurance Inc especially because of their great staff that always strive to take care of my needs. ...read more
By Annie Quinn July 29, 2015
I am so happy to be apart of the family at Sawyer Insurance. They are there for you and make sure you are well taken care of. They keep you informed on new coverage options and work with you to find what is best for you personally, they are so great. ...read more
By saradoren February 19, 2015
Sawyer Insurance is great about informing me of any new coverage and discounts available. We use them for flood, home, and auto insurance and they have great prices and discounts for all three. They are always able to answer all my questions and I think they are all great people. ...read more
Your Part "D" open enrolment has switched. The enrolment period will get started October 15, 2011 and conclude Dec 7, 2011. This is 24 days less than than last year. Why is there a difference in the Part "D" open enrolment? The modification in thisMedicare Part Denrolment period is caused by the influence from insurance providers which prefer to additionally minimize the time period a person might flip part Dcarriers. When the prescription drug program modifies or simply when prescription drugs become offered in generic a part d carrier which offers the lowest prices will vary. It is recommended to look at part d annually at the time of the open enrolment period. A number of insurance companies will alter the plan or simply eliminate a policy and even automatically register the client in a unique or simply modified plan. This process might be useful for some clients but may be also disadvantageous. It is recommended to take a look at your part d each and every year. The quote below is a statement issued by a Medicare Part D issuer: “Beginning next year our prescription medication plan, run through United HealthCare in Guam, will offer only one plan, in place of two. Your only choice will be "Preferred Plan," which is going to cost $11.20 per month. A Medicare beneficiary currently signed up for the "Enhanced Plan," is going to automatically be participating in the "Preferred Plan" at the end of the year, with respect to the Community Health statement.” As you have seen within the announcement previously mentioned you could end up being placed into a “updated” Medicare part "d" plan without applying all over again or submitting more papers. This is done by your insurer to make it “less complicated” for their customers. This is in all likelihood less complicated to the current clientele as they are in no way needed to send in supplemental papers or even look at the info on the latest program they're becoming signed up for. This in addition allows the door open with regard to likely unwanted expenses through: a higher monthly premium together with decreased personal medication costs, or possibly a lower monthly premium and a much higher personal prescription drug copayments. The advantages and charges of prescription medication policies have to be analyzed on an individual basis, the part d package which had been the most cost effective for yourself this year is quite possibly not the most cost effective policy for Next year. The insurance providers are in business to make money and they're going to set up the programs for the benefit their company profits. Don't forget all of us onMedicare health insuranceneed to have a medication plan or chance getting penalized for late enrollment. Many of us turning 65 don't require intensive doctor prescribed drug benefits and want a policy having the most affordable monthly premium. Whenever insurance providers modify the premium to copay ratio it can cause the ideal insurance policy for someone to shift. In closing whatever your prescribed drug routine is it is critical to reconsider your Medicare Part D doctor prescribed drug plan each and every year within the open enrolment period.Elle Marie I am a retired school teacher who now lives in Florida. I work part time for an insurance agency here in Florida. My insurance agency specializes inFlorida Medicare Supplemental Insurance. I enjoy writing and hopes to one day publish one of my short stories. I enjoy spending time with my grandchildren and helping out at the shady oaks retirement home. I would like to recommend Mr. Reed Speas he is ourFort Myers Insurance Agentwho specializes in Medicare insurance. Mr. Speas will be happy to assist you in re-evaluating your Medicare Part D. ...read more
By 1 Florida Insurance.com October 27, 2011
When you have identified a need for a certain type of insurance finding the broker or ins. agent to enable you to acquire the insurance you will need, generally is a daunting task. Selecting a broker/agent needs to be as essential to you as finding the proper doctor or home design contractor. It is vital to be very an educated purchaser in picking yourhealth insuranceorlife insurancebroker or agent. When you're selecting an insurance broker or insurance agent to assist you handle this particular challenge there are several things you should consider. 1. Is the broker/agent you would like to do business with licensed? Insurance agents and insurance brokers are required to display their issued license number on their business cards, advertising, and quotes. If you would like to check out the licensing status of your broker/agent, you could go to the Florida Chief Financial Officer’s website. This method for you to make sure that the broker/agent you wish to utilize is licensed in the state of Florida to handle the kind of insurance you desire to obtain. Go to the following webpage, you need only enter their name to verify their status: http://www.myfloridacfo.com/data/aar_alis1/. 2. Are you dealing with an insurance broker or a broker? Many individuals believe that these terms are exchangeable whenever talking about insurance, even though they're very much the same, you will find a big difference. An insurance agent works for a single insurance firm and they promote insurance for that particular provider and that's it. As an illustration, you may have aninsurance agentwhich you deal with for your personal automobile insurance. This agent works for the auto insurance carrier that you decided to work with and in addition they are only able to offer insurance for you from that agency. An insurance broker works with many insurance agencies. If you work with an insurance broker, they're going to sit with you to determine the sort of insurance which is able to best meet your needs. Then they will look at the policies supplied between several distinct insurance companies to determine which business' policy will best suit your personal needs. Insurance agents and brokers both are licensed to sell insurance plans. The essential difference is the fact that insurance brokers will give you the perfect policy from a listing of companies and insurance agents can only offer you a plan with the company they are doing work for. 3. How honest do I need to get throughout my first interview with my likely broker/agent? It is important that you simply answer all application questions as truthfully, as completely, and as actually as you can. The questions which may be asked in the initial meeting are utilized to acquire a quote intended for insurance coverage to suit your needs. If facts are misrepresented or overlooked this could affect the premium quoted for one’s coverage. This could also alter the quantity of coverage you can get and perhaps misinformation can result in insurance to become refused towards the person under consideration. If the amounts of coverage and premium quotes will be considerably different from other quotes you have received they can be probable representative of falsehoods being provided to broker/agent or an oversight with the application. Whenever you might be made an offer which appears “too good to be true”, in all probability it is. Additionally, it's important to remember that is you or maybe the broker/agent purposefully provide erroneous facts for insurance applications, this may lead to criminal prosecution for one or perhaps both of you and is also not truly worth the fraud penalty!Brokers and agentsare here to assist you. 4. Once we have opted for broker/agent, precisely what must I be familiar with now? a. As generally in most issues, it's important that you just simply read all paperwork, packages, and policies prior to signing. As you are checking out the policy, you should definitely find out about any specific phrases you don’t fully understand or all terminology and wording that you do not know. It certainly is the role for your insurance broker/agent to assist you fully understands all that you are signing and also agreeing to hence make sure that you find out regarding everything that is unclear to you personally or you don't know. b. Do not sign any kind of empty documents or blank applications. Doing so simply leaves space for misunderstanding, omissions, and errors. c. Make sure that you've in writing precisely what protection you will be purchasing, the dollar amount of the insurance deductibles and copays (if it applies), all exemption within the coverage, the total amount of the rates and payment dates, in addition to when the insurance policy will begin and finish. Elle Marie I am a retired school teacher who now lives in Florida. I work part time for an insurance agency here in Florida. My insurance agency specializes inFlorida Life and Health Insurance. I enjoy writing and hopes to one day publish one of my short stories. I enjoy spending time with my grandchildren and helping out at the shady oaks retirement home. I also write for aFlorida Medicare Supplemental Insuranceweb site in hopes to inform the elderly about Medigap Insurance. ...read more
By 1 Florida Insurance.com September 15, 2011
Health Care Insuranceis seen as an essential type of insurance coverage for any smart person in modern-day society. Medical related fees from a slip and fall or personal injury could bankrupt or at the least bring about financial problems to the ordinary American. Lacking the safety of health care insurance a broken arm can certainly cost more than $30,500. This key fact leads to a difficult decision for healthy persons, should I spend $300 - $400 monthly premium to cover my own self for the improbable circumstance which I become very ill or perhaps have a major accident which requires a surgical treatment? Your solution to this particular problem is in fact a High insurance deductible major health insurance policy with an HSA also known as Health Savings Account. The Health Savings Account insurance policies have three important added benefits relating to healthy people, these are: good medical benefits together with affordable monthly premiums, tax-free attached savings account, and the ability to grow money set aside in the Health savings account. Medical insurance policies possess a normal composition in which the greater the per month premium the less your initial out of pocket deductible will be prior to medical benefits beginning. A particular example of this type ofhealth insuranceis: Mary a forty five year old woman contains a $1, thousand insurance deductible having a per month premium of $377. Lauren would spend $ 4,524 ($377 *12= $4,524) dollars a year on this insurance policy coverage, this is good health care insurance plan for a youthful woman , nonetheless would certainly turn into a complete waste of money should she were to stay healthy for a period of 10 years. Jane would spend $45,240 on health care insurance premiums over the ten yr. period. HSA’s are arranged to allow individuals to reduce month-to-month premiums while continually safeguarding clients from devastating economic losses from an acute health issues and also personal injury. HSA’s have a significantly higher deductible together with a substantially reduced monthly premium. A demonstration of an HSA health insurance policy is: Nikki carries similar health insurance coverage with a $5,000 deductible medical health insurance policy with a regular premium of $171. Jane would spend $2052 a year on per month premiums. Assuming Nikki was to keep on being healthy for that amount of ten years she would most likely devote $20,520 on month to month premiums. This shows a considerable personal savings over the regular medical insurance plan. The cost savings relating to the regular premiums which is provided by aHSA compatible medical insurance planis meant to get deposited into a HSA bank account at a Wells Fargo or some other banks. The money that is deposited into this kind of HSA account is certainly tax deductible! Found in our previous illustration Mary paid $45,240 on regular medical health insurance premiums and $20,520 on Health Savings Account, high deductible medical insurance account premiums. This will be a personal savings of $24,720 over a 10 year period. The $2,472 of gross annual financial savings is tax deductible on a yearly basis. The Health Savings Account accounts which are provided by using Humana One put an individual's HSA's with Bank of America. Bank of America has an option that after a Health Savings Account has a total amount of $1000 it may be placed in choice common stock or even bond investments. It is comparable to the treatment of money which is accumulated within an Individual retirement account. That may be an advantage of a Health Savings Account, being able to grow money on a tax free basis you can use to pay upcoming medical expenditures. The potential for an in good health particular person to save revenue on monthly premiums in a tax free situation is truly an essential benefit of high deductible health care insurance accounts. These kinds of HSA account were being established in 2003 and therefore are merely beginning to get buzz. Possessing an Health Savings Account is in fact a sensible way for the average American to grab charge of their medical care insurance as well as have the capacity to self-insure whilst still maintaining high quality coverage. ...read more
By 1 Florida Insurance.com August 23, 2011
Having motor insurance gives you peace of mind, and looking for motor insurance involves carefully comparing motor insurance. Comparing motor insurance will ensure that you receive a good insurance rate and a provider that will provide quality service when you need it most. ...read more
When you have booked a cruise, the last thing on your mind are the things that can go wrong. You probably are more concerned with the fun times ahead. Unfortunately, cruise travel insurance should come to mind, as not having coverage can create problems such as lost items or trip cancellation problems... ...read more