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  • Choice One Insurance - Content Pages - Extra Pages - ChoiceOne Insurance Logo
    Local Resources for Insurance Clients Free Insurance Reports Home and Auto Marketplace Home Search View Featured Listings Home Value Wizard Mortgage Center Mortgage Calculators Home Purchase Assistant Home Refinance Advisor Today s Mortgage Rates Insurance Website Home ChoiceOne Insurance Logo Quick Quote Please turn on Javascript to view this form Type of Insurance Select One Auto Insurance Home Insurance Health Insurance Life Insurance Business Insurance Credit History Select One Excellent

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/ChoiceOne%20Insurance%20Logo/ (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Things you need to know about Medicare for 2012
    if you wish to keep your current plan You may enroll disenroll or change plans The last election made determined by the application date will be the election that takes effect on Jan 1 st for the calendar year Be careful in choosing Check your current plan for any changes Consider your maintenance drugs as each plan with an integrated prescription drug plan has its own formulary B asically unless you are covered under a current or former employer s group plan these are your choices 1 Original Medicare only this is having Medicare Parts A and B 2 Original Medicare with a Medicare Supplement or Medigap policy 3 Original Medicare with a stand alone Part D Prescription Drug Plan 4 Original Medicare with both Supplement AND a Part D Prescription Drug Plan By law Medicare Supplement plans cannot provide prescription drug benefits 5 Enrolling in a Medicare Advantage Plan most offer an integrated Part D drug Plan S econdly if you elected to enroll in an MA or MAPD plan you will have 45 days between Jan 1 st and Feb 14 th 2012 during the Medicare Advantage Disenrollment Period MADP in which you may request disenrollment from their plan and return to Original Medicare and subsequently may enroll in a PDP or may simply request enrollment in a PDP resulting in automatic disenrollment from the MA plan The exception being that MA only PFFS must first request disenrollment As allowed in past years you MAY NOT change MA plans during this period T ypes of Medicare Advantage MA plans include HMOs PPOs RPPOs PFFS Medicare Savings Account Cost Plans and Special Needs Plans SNPs for those diagnosed with specific qualifying chronic diseases such as diabetes or COPD for example Enrolling in a Supplement or any Medicare Advantage plan

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Things%20you%20need%20to%20know%20about%20Medicare%20for%202012/ (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Lawmakers hope new bill fixes hurricane insurance
    in premiums in 2009 compared to 5 6 billion five years earlier after the first four of the eight storms that hit the state in two years had made landfall Despite the 25 percent increase in premiums during the intervening quiet years the insurance industry says it is losing millions of dollars each year in Florida Several companies also became insolvent and disappeared OIR meanwhile has approved rate increases of about 30 percent for the top 20 property insurance companies in the past two years Still the industry says it has been unable to stockpile sufficient reserves it could tap after a major storm The industry says it was stockpiling between 7 billion and 9 billion in surplus annually for several years before the 2004 05 storms hit We needed every penny of that surplus we had in 2004 and 2005 and it still wasn t enough said Sam Miller vice president of the Florida Insurance Council an industry group It s a very foreboding situation when you don t accumulate billions of dollars when you don t have a hurricane No company is building the surplus it should be building during non hurricane years no company that s the crisis But many homeowners dispute the industry s claims If they thought they passed something they thought was going to work they re in for a rude awakening said John Thompson a 45 year old small businessman from Spring Hill Nothing we re doing here makes common sense Thompson s 2 200 annual homeowners premium has roughly tripled in the last decade He is covered by Citizens after being canceled by four different commercial companies Florida s property insurance system has been an almost annual legislative headache since shortly after Hurricane Andrew struck South Florida in 1992 the Category 5 storm killed caused about 16 billion in insured damage Legislators in 2007 tried to protect consumers from crippling rate increases thinking that was the best way to go But most of that backfired accomplishing none of their goals They did a number of things they thought were pro consumer that seemed like a good idea at the time but it turned out there was potential for abuses that we did not anticipate said Kevin McCarty the state s chief insurance regulator Unfortunately the abuses and costs of other cost drivers particularly sinkholes has been a real drag on the surplus of our companies even without hurricane season McCarty said Many private carriers including giant State Farm began to cut back on the number of policies they were willing to write in such a risky climate both politically and from storms Insurance companies operating in Florida generate billions of dollars in jobs payroll tax revenues and economic impact said former state Rep Don Brown of DeFuniak Springs a longtime insurance executive Yet the political attitude has been mostly punitive toward insurance companies and the industry But backers believe that the new bill will solve the problem McCarty believes the new legislation

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Lawmakers%20hope%20new%20bill%20fixes%20hurricane%20insurance/ (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages - Shedding Light On Car Insurance Savings
    an independent agency ChoiceOne Insurance can help We can review your policy and possibly help you find a variety of illuminating ways to save money Here are some things you may want to consider Ask us to check several companies rates This is the single most important thing you can do to get the best possible rate and we can do it for you quickly and easily The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars Reduce or drop physical damage coverage on an older car Depending on your car s age and where you live comprehensive and collision coverage may not be worth keeping We can give you advice on whether it makes sense to reduce or drop this coverage altogether Raise your deductible According to the Insurance Information Institute raising your deductible from 200 to 500 could reduce your collision and comprehensive cost by 15 to 30 percent In addition because the average driver files a collision claim only once every ten years odds are that over the lifetime of your car a higher deductible will save you money We can show you how raising your deductible will lower your premium Look for discounts Many insurance companies reduce premiums for certain driver traits or car features For example being a homeowner for more than three years nonsmoker nondrinker students with good grades senior citizens who have taken an approved defensive driving course people who only drive for pleasure cars kept in garages antilock brakes antitheft devices air bags etc Ask us to check Don t assume having your car and home insured by the same company is the best option Because auto insurance rates vary so much from company to company it may make sense for you

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/Shedding%20Light%20On%20Car%20Insurance%20Savings/ (2016-04-29)
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  • Choice One Insurance - Content Pages - Extra Pages
    1 8 of 8 Choose Category Featured Extra Pages Newsletter Articles Tip of the Day Birthday Spotlights Seven Surprising Factors That Could Affect Your Car Insurance Rates Seven Surprising Factors That Could Affect Your Car Insurance Rates FORECLOSURE Tenants Rights Notice of foreclosure clarified in the federal 2009 Protecting Tenants at Foreclosure Act PTFA which includes provisions that protect residential tenants when the property they are renting is foreclosed Citizens Windstorm Mitigation Re Inspections Citizens Property Insurance Corporation is conducting Windstorm Mitigation Re Inspections You may receive a notice from Citizens ChoiceOne Insurance Logo ChoiceOne Insurance Logo Things you need to know about Medicare for 2012 Things you need to know about Medicare for 2012 By Arthur Carson Lawmakers hope new bill fixes hurricane insurance Florida hasn t been hit by a hurricane since the disastrous years of 2004 and 2005 but the state s property insurance companies say they are still losing money despite collecting billions in premiums Shedding Light On Car Insurance Savings It can be easier than you think to put the brakes on high auto insurance rates as an independent agency ChoiceOne Insurance can help We can review your policy and possibly help you find a

    Original URL path: http://www.choiceoneinsurance.net/loanOptions/Extra%20Pages/. (2016-04-29)
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  • Choice One Insurance - staff
    Insurance Chairman Direct 305 677 7000 Visit Website Ludy Invernizzi ChoiceOne Insurance President Direct 305 677 7106 Office 305 252 1873 Fax 305 677 7107 Email Ludy choiceone us Visit Website Mandy Cortez ChoiceOne Insurance Insurance Agent Direct 305 677 7108 Office 305 252 1873 Fax 305 677 7109 Email Mandy choioceone us Visit Website Yen Paz ChoiceOne Insurance Insurance Agent Direct 305 677 7113 Office 305 252 1873 Fax

    Original URL path: http://www.choiceoneinsurance.net/staff/?pageNo=1 (2016-04-29)
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  • Choice One Insurance - recommendedProfessionals - Our Recommended Title Companies
    Assistant Home Refinance Advisor Today s Mortgage Rates Insurance Website Home Our Recommended Title Companies Listing 1 1 of 1 Choose Category Our Recommended Title Companies Mortgage Company www titleescrowmiami com Key Title Escrow Florida Miami FL Florida Statewide Title and Escrow Services Quick Quote Please turn on Javascript to view this form Type of Insurance Select One Auto Insurance Home Insurance Health Insurance Life Insurance Business Insurance Credit History

    Original URL path: http://www.choiceoneinsurance.net/recommendedProfessionals/Our%20Recommended%20Title%20Companies/. (2016-04-29)
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  • Choice One Insurance - recommendedProfessionals - Mortgage Company
    Insurance Website Home Mortgage Company Listing 1 1 of 1 Choose Category Our Recommended Title Companies Mortgage Company www choiceonemortgagecorp com Choice One Morgage Florida Miami Since 1998 Choice One Mortgage has been dedicated to the highest standards of ethics responsiveness in its effort to meet the changing needs of borrowers Quick Quote Please turn on Javascript to view this form Type of Insurance Select One Auto Insurance Home Insurance

    Original URL path: http://www.choiceoneinsurance.net/recommendedProfessionals/Mortgage%20Company/. (2016-04-29)
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