Archive for May, 2009

What are the Best Priced Health Insurance Plans in South Florida?

Buying health insurance in South Florida can be quite confusing.  There are over 10 different carriers and with that 10 different rates.  “Most of the co-pay plans in South Florida are very similar,  however the rates vary quite a bit.  Its quite astounding when one carrier charges double then another for the same benefits.” Evan Tunis, Owner of Florida Healthcare Insurance

At Florida Healthcare Insurance we are committed to making Florida health insurance  transparent to our clients.    Therefore we have set up a comprehensive analysis of the South Florida health insurance marketplace in terms of price and benefit. If you have any questions simply call Evan Tunis at 561.637.8162.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

Florida Rate Comparison – Copay Plans (01/2009 Rates)

35 Yr. Old Male / 35 Yr. Old Female / 2 Children Ages 12 & 10 (Preferred Rates)

33486 Boca Raton, Florida (Palm Beach County)

2,500 Deductible Range

Company

Monthly Cost

Deductible

Co-Insurance

Network

Humana

$368.94

$2,500

80/20 to 10k

Humana

Cigna – Open Acess 2000

$426.00

$2,000

80/20 to 15k

Cigna

World – Premier

$497.97

$2,500

80/20 to 15k

Great West

UHO-Golden Rule – Copay Select

$530.89

$2,500

80/20 to 15k

United

AetnaPOS 2500

$568.00

$2,500

80/20 to 12.5k

Aetna

World – Premier Plus

$609.23

$2,500

80/20 to 10k

Great West

Assurant (Time) – Core Med*

$671.24

$2,000

50/50 to 4k

Great West

GTL – Complete W/ POVC

$687.02

$2,500

80/20 to 10k

Great West

Madison National – M5

$708.78

$2,500

80/20 to 20k

Great West

Assurant (Time) – Max Plan

$763.84

$2,500

50/50 to 4k

Great West

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Wednesday, May 27th, 2009 Blog Posts 1 Comment

Florida Life Insurance

With all the layoffs and firings plaguing Florida, we are finding that more and more family’s are becoming unprotected due to the fact they were relying on the life insurance benefit package provided thru their respected employer.

To truly protect your family one must own their own Florida term life policy that can not be effected by these layoff and cut backs.

Term Life Insurance rates in Florida are at a all time low and is very affordable to cover your family in todays economy. We have provided you the ability to obtain instant Florida term life insurance quotes and the ability to apply on line in the comfort and privacy of your own home.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida term surance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Wednesday, May 20th, 2009 Blog Posts Comments Off on Florida Life Insurance

Health Insurance Shopping Tips for Florida

Everyone needs a few hints when shopping for health insurance in Florida.

If there weren’t so many health insurance policies to choose from, it wouldn’t be so hard to shop for one, now would it? While it’s really nice to have options, sometimes too many options are confusing. However, you need to look at it this way – the more options you have at your disposal, the better your chances are of getting a health insurance policy that actually suits your needs.

If you get confused, don’t give up; speak to a licensed and highly informed health insurance broker. S/he will make more sense than trying to sort through masses of health insurance information on your own. They’re not there to sell you something; they’re there to provide free information. If you choose to buy through them, that is your decision, but you are not obligated to buy from the person you ask health insurance questions.

Speaking of questions, this is one of the smartest moves you could ever make when you want to shop for health insurance quotes in Florida. Sit down and write a list of questions, the questions you want answers to and could then explain those answers to your spouse. Once you have your questions, do some snooping to see what choices you may have. If you are a first time shopper, it helps to know what your maximum out-of-pocket expenses will be – a.k.a. the co-insurance maximum.

Make sure you also have done some advance calculations, budget-wise, because you want to know the dollar coverage – meaning the maximum you would spend in a year for in and out-of-network medical expenses. In insurance language this is called roughing out the costs for the deductible and the co-insurance limit.

Read the whole policy before you buy it for this very simple reason – if you don’t you might get caught later and face an unwanted surprise. For instance, say you happen to have a $3 million lifetime expense average, which sounds good on the surface. However, what happens if you read in the fine print that the insurance plan actually has a per incident/per year maximum and those limits supersede that lifetime maximum?

Okay, if you don’t want to sit in the agent’s office and read the policy, then ask pointed questions about things such as per incident, per year maximums and other questions that might crop up later if you don’t know about those things now.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Friday, May 15th, 2009 Articles Comments Off on Health Insurance Shopping Tips for Florida

Fitness Counts for Florida Health Insurance

Whether or not you are fit or overweight makes a big difference to your health insurance premiums.

This really should make some sense when you stop to consider what we’re saying here. If you are overweight to obese it will affect your health insurance rates. Weighing too much means your health risks increase.

There is a little something called the body mass index, or BMI, that is used as a rating factor when people buy health insurance premiums. So, if you’re too heavy for your height, you are paying more money to get decent health insurance. Now that may not be something you want to hear, but it’s a fact and is the way the health insurance industry is operated.

If we’re overweight then that means we are largely responsible for what we are paying out in health care costs. Here’s another startling fact – our health system is in the mess it is now because we have been overusing it and yes, abusing it shamelessly. It’s up to us to make responsible personal health care choices, not up to the system to try and keep us well when we turn around and sabotage their efforts at every turn.

This means we are largely responsible for what we pay for health care. As radical as that may sound, the health care system is in the mess it is today because we are overusing it and abusing it. It’s time we took responsibility for our personal health care choices.

The more overweight we are, the more our chances of developing a serious illness. You have to realize this too, that health insurance is about covering you for potential illnesses; however, if you choose to be overweight (there are exceptions to this) the insurance industry regards you as taking risks with your health. So, if you are choosing to be heavy, you will pay a higher insurance premium.

Let’s face it, insurance companies don’t run charities, they operate with a finely tuned bottom line. If you are heavy by choice or due to laziness, you will pay more because the business of health insurance only really wants to insure healthy people at their optimal weights. Insurance companies are businesses – period. They will risk money on those who are in good shape, but they really don’t like covering someone who will cost them money.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Friday, May 15th, 2009 Articles Comments Off on Fitness Counts for Florida Health Insurance

Health Care Coverage Confusing

When things change in the health care system, people get royally confused.

While it’s nice to know that there are changes coming to the health system in June 2010, there have been some minor tweaks to it over the past few years. The major problem is that the right hand doesn’t seem to know what the left hand is doing, which would definitely account for the shape the health care system is in today. It’s enough to give health care consumers serious doubts about the future of the system.

Many people wonder why the system is in the mess it is. The bottom line is that it is run by a major clutch of separate business entities; in other words, a whole flock of insurance companies, who don’t seem to speak to each other.

While all these insurance companies are running around trying to be competitive and stay in business, they tend to forget who really counts in this picture: the consumers. The changes to the system that are slated for June 2010 will likely level the playing field and we’ll all see the larger insurance companies scramble for business by lowering their rates. Be aware that there will be a good chance those lower rates may only last for a year, when they will be kicked back up again.

In the meantime things seem to be trundling along as they always have been, in fits and starts of efficiency with occasional pauses of sheer system exhaustion to try and recoup and continue. Ask anyone what their opinion is on the health care system today and the answer will likely contain a reference to how high health insurance premiums happen to be, followed by how overused the system is as well.

To even begin to change the way things are the state of the economy has to be wrestled to the ground, something that will take many years and many billions of dollars to accomplish. While change may be coming in several ways over the next few years, it’s hard to imagine what may replace what is currently the devil we know.

There is an old Hungarian proverb that mentions it is easier to deal with the devil we know, rather than the one we don’t. It seems this may be quite appropriate when applied to the proposed changes to the health system for the future.

To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Friday, May 15th, 2009 Press Comments Off on Health Care Coverage Confusing

Local Florida Health Insurance Agents Save You Money

Shopping locally for health insurance means getting to know the ins and outs of a local area, as opposed to talking to a company out-of-state that knows nothing about what people in other locations really need.

A good health insurance agent actually saves people money, and that is a fact. While they may have a product to sell to consumers, they also have the knowledge to be able to tailor the right package to the right budget. Even though some insurance prices are federally fixed, insurance agents are able to offer price comparisons between various carriers and yes, offer reasonable prices for various plans, etc.

Many people don’t realize that every insurance carrier does have a fairly wide latitude in handling their insurance package, just so long as they are still operating well within the guidelines of the federal law. If they do that, health insurance brokers may choose to exclude some items (e.g. pre-existing conditions), decline insuring others, or even approve an individual with a particular condition with proof it is being medically managed.

If an insurance agent stays within the federal guidelines, a highly knowledgeable agent will search for and compare policies that suit their customers. The plan they find may offer a lower deductible and/or health insurance premium. In other words, there are a variety of things a good agent who is intimately familiar with his products, is able to do for customers. Rather than rely on website information alone, a smart health insurance shopper needs to call an agent and get personal service.

While websites may offer relatively accurate information, they never have the full range of options and alternatives that are actually available. This is because there is no way any agent is able to put all they know on a website without having a huge website and thoroughly confusing people.

What is usually on a website is the general information that may be applicable to some people, but not others. In other words, just because something is on a website does not mean it would be applicable to everyone. This is why it is best to call and find out what is actually applicable to your specific circumstances.

To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Friday, May 15th, 2009 Press Comments Off on Local Florida Health Insurance Agents Save You Money