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MEDICAL matters for expat Brits + Cosmetic/Wellness Services

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Hey, you’re in America now!    You KNOW you need medical insurance.           Doctornursepic

Medical insurance agent Scott Rose at Mainstreet Solutions, has various plans specifically for newly arrived Brits in Florida, at lower rates than Americans here can get.   This is the ONLY international Health Plan that is currently STATE APPROVED and a Lloyd’s backed plan too—-the world’s best!   Many Florida and USA Brits and FABB members are on this and I have had my own medical insurance through Scott since 1993.  –Patricia Kawaja, FABB President.  

 ♦ ♦  FOR RESIDENT BRITS :  ALL TYPES OF MEDICAL INSURANCE AVAILABLE IN FLORIDA SEE BELOW.   Companies offering medical insurance change frequently in Florida, as do state regulations governing policies available, so best to ask Scott what is currently available for YOU.  NOTE:  Other states do NOT offer the same coverage, so get the Florida-specific answers from Scott.   

 ♦ ♦  ALSO AVAILABLE:   TEMPORARY MEDICAL INSURANCE:    For British visitors and your visiting UK relatives [maybe your British parents].
 Brits coming here on holiday get peace of mind knowing you will be covered while in Florida.  Ask Scott Rose how you sign up and cost involved. 

♦ ♦  ALSO  A plan available for seniors age 63-73 and LongTerm Care Insurance for people over 60.   

 ♦ ♦  NEWLY  SETTLED  IMMIGRANTS from UK.  We can also cover newly arrived immigrants from the UK , but they must take a Lloyd’s travel plan for 6 months before we can switch them over.  This takes one to two months to get it processed.  It is a PPO with affordable rates.  We have processed a few Brits already.  One is over 80 years old.  It is sponsored by the US Federal government.

 ♦ ♦  FOR UK BRITS ABOUT TO EMIGRATE TO FLORIDA:     Especially low rates from Lloyds for UK  Brits just before you move over to Florida.  Also lower rates [than longtime residents] if you have emigrated to Florida less than 6 months ago. 

 ♦ ♦ MEDICARE issues for older resident FLORIDA BRITS :    Ask Scott for info

 ♦ ♦  FOR USA BRITS WITH DISABILITIES without insurance or government benefits:    Contact Scott for help.

 ♦ ♦  FOR OLDER RESIDENT BRITS aged 63-73NEW Special coverage for older Florida residents age 63-73 who don’t qualify for Medicare—ask Scott.

 ♦ ♦  FOR RESIDENT BRITS in Florida aged 65 or older on a Green Card or UK-USA citizen .  There is a plan for you–ask Scott.

 ♦ ♦ ALSO:   FOR ALL BRITS resident in Florida for one year or more:    The HSA 100, the Health Savings Programme written by the most popular A+ rated health insurer in the USA, established and licensed many years in Florida.

  1. You get 100% coverage after deductible.
  2. The deductible applies to the entire family, so you save money there.
  3. It’s 100% IRS tax deduction on annual premiums paid, to a maximum of $5400 for families and $2750 for individuals.
  4. With this HSA, 5% tax-free interest is paid on any monies that accrue in your HSA, if you don’t meet the annual deductible. This account is to be used for medical expenses.
  5. Age:  anybody between 18 and 65 may apply.
  6. Brits must have been resident in Florida for at least one year. [You may be on work visa, Green Card or US citizen]. 

RE OBAMACARE…Affordable Care is the official term.   GREAT NEWS!!!   Anyone that has been declined or rated up for health insurance, or have not been able to afford health insurance in the past; and anyone that is over age 65 and does not qualify for Medicare are candidates to purchase at lower costs than previously!!!!   Enrolling correctly in “Obamacare” is currently tricky business, so we suggest Brits seek professional help from agent Scott Rose to sort out the issues and answer your questions.

♦♦♦♦  FOR ANY OF THE ABOVE:    Contact FABB’s medical insurance agent Scott Rose at Mainstreet Solutions  in Boca Raton.   He will explain the benefits, features and the cost of premiums based on your age group.   MAINSTREET SOLUTIONS  [INSURANCE] Tel. (561) 392-4485 office ADDRESS:    Mainstreet Solutions,   333 Camino Gardens Blvd. Suite 204, Boca Raton, FL 33432.   Scott’s direct email is:    mainstreetins@msn.com   On subject line put:   TO SCOTT:  Medical query from FABB.

TESTIMONIAL:   ” We are a British couple in Florida age 73 and 74, was obtaining adequate health insurance.  You kindly gave us the name of Scott Rose and I must say he has come up trumps and we paid our first premium last week and now have full cover with Blue Cross Blue Shield under the Affordable Health Care Act.   We are both very relieved and again thank you for putting us in touch with Scott.”  Keith B. and wife.   Says Scott:   There are now many Florida Brit expats retired on B-2 visas, etc that are now happy campers due to the affordable health act.  But….enrolling correctly in “Obamacare” is currently tricky business, so I suggest Brits seek professional help from agent Scott Rose to sort out the issues.

■   JUST SO YOU KNOW CORNER:    EXPATRIATE BRITS living in the USA who return to the UK to use NHS hospitals will be billed for 150% of their treatment cost.  [This National Health Service policy took effect in 2015 ] Patients should expect to be asked questions about their residence status in the UK.  Contrary to what of you reading this think, you can’t just whizz over from your fabulous Florida life and save a few bob by milking the NHS.  Quite right, methinks.  Find complete details explained on the National Health’s official website :  www.nhs.chq.pages/1086.aspx     

CAUTION:    FLORIDA IS KNOWN FOR BOGUS HEALTHCARE PROVIDERS.   Beware of ads and commercials promising too-good-to-be-true lowcost coverage.   This is because Florida is such an affluent state, with a large elder population, promising rich pickings for con men.  That is why we ALWAYS recommend newcomer Brits especially go through our agent Scott Rose, who only works with reputable healthcare providers.   The State has an agency which regulates the health coverage industry, so if you do decide to buy medical insurance you can verify that the company is legit by phoning  Florida’s Office of Insurance Regulation. Their consumer services hotline tollfree in the USA  1-877-693-5236.   Official website  www.floir.com    The FLOIR does NOT sell or advise on medical insurance—it only verifies that a company is licensed to operate in Florida.

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♦   ►►►   ARE YOU OVER 35?  DID YOU PAY INTO A UK COMPANY/PRIVATE PENSION?  
Do you know whether and how you can access your lump sum and bring it over to the USA?  
For a FREE review of your UK pension contact Mark Solomons in Florida with Florin Pensions direct on  [561] 793-1311 email  msolomons@florinpensions.com  On Subject line put:  “To Mark Solomons—UK pension query”.    Include your name + city + phone + a sentence about the type of company/private pension you paid into.    NOTE: The UK’s decision to leave the EU has resulted in Gilt yields reaching all time historic lows,  pushing up the transfer values of UK defined benefit pensions schemes.  That means your unfrozen pension is worth MORE since July 2016.  Mark is a longtime member of the Florida Association of British Business [FABB].  As FABB’s UK pensions expert he has unfrozen many pensions for USA expats over the years.

►  DON’T BE BATTERED BY BREXIT!  DO YOU NEED TO TRANSFER CURRENCY OVER FROM THE UK?   OR SEND TO UK FROM FLORIDA?  BENEFIT FROM BREXIT!   TRANSFER UK CURRENCY SAFELY TO/FROM  the UK.   At lower rates than any bank .   For property/business transactions/pension funds transfer or other purposes.   Or transfer to/from any other  country worldwide.  FABB you help you save considerable  exchange fees via our partner Moneycorp.   WE RECOMMEND MONEYCORP of the UK with an office in Orlando, Florida.  Moneycorp is the only UK currency exchange company licenced to deal in 50 states.   Many expat Brits here have used this currency service for years and report huge savings and satisfaction.   Phone Moneycorp’s Kelly Cutchin direct on her cell [863] 207-6616 to ask all your questions.  She is based at their HQ in Orlando.  Or email your query to Kelly Cutchin  kelly.cutchin@moneycorp.com for details.  Moneycorp has a UK office too so she may set up your account in the UK—whichever suits you.