Archive for July, 2009

Understanding The Difference between Life Insurance and Long Term Care

When thinking about retirement and estate planning two of the biggest things that are needed are life insurance and long term care.   But Just are the major differences and what does long term care cover?

Life insurance is meant as protection for a family.  Long Term Care Insurance is in many ways like life insurance as it protects the family from the crisis that occurs when a family member needs care.  Families are generally the first line of assistance when someone needs care.  The responsibilities of the family include physical, emotional as well as financially.

If you would like to learn more about long term care or life insurance please contact Evan Tunis, owner of Florida Healthcare Insurance at 800.946.3157.

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Tuesday, July 14th, 2009 Blog Posts Comments Off on Understanding The Difference between Life Insurance and Long Term Care

United Healthcare announces Lower Rates for Florida Health Insurance

While most health insurance carriers tend to raise there rates every quarter, United Healthcare has done the opposite, lowering there rates for Florida Residents.

Effective July 1, 2009, Florida clients who have:

  • Had medical coverage in the past 63 days, and
  • Would otherwise qualify for what is currently known as a Preferred rate class

Now qualify for our new Preferred I class “ with premiums 6% less than our current preferred rate class!

Additionally, select ZIP Codes in North Broward County will experience a 12% rate decrease!

To receive a quote please contact Evan Tunis, Owner of Florida Healthcare Insurance at 800.946.3157.

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, July 8th, 2009 Blog Posts Comments Off on United Healthcare announces Lower Rates for Florida Health Insurance

Where’s the Insurance Agent When You Need Help?

It’s not uncommon for people to have problems with their insurance company. When that happens people want to talk to their agents fast, and get things sorted out.

It happens. Things go wrong with a health insurance claim and it can only get sorted out by contacting the agent. However, the agent isn’t anywhere to be found. The health insurance company that provided the insurance isn’t much help either, as they are out of state, enormous, and have no idea what is happening locally in that area. They may not even really know what the fuss is all about either.

If the idea is to buy health insurance that suits a family or an individual, then it’s best to stay local and buy health insurance from a well-known local health insurance agent. They know the system in their area, know what doctors provide various services, what hospitals are the best, and who does and doesn’t honor their claims. Of course inside information like that is totally invaluable and will save someone money, time and hassle in the long run.

Local agents also know enough to sell customized packages to customers, and not general ones that don’t provide what an individual or family needs. If a custom fit for insurance in important, buying from a local health insurance agent is the smartest move.

Don’t be reticent about talking directly to a local insurance agent. They are there to assist people in choosing health insurance that is best suited to their needs. They are not there to “sell” something. They are there to help explain the various alternatives available for health coverage. If they sold something people hated and vanished, they wouldn’t last in that line of work for very long, and their horrible reputation would precede them. When in doubt, check the history of a health insurance agent. The longer they have been in business, the better a person’s chances are at getting good prices and good service.

Isn’t that unique, finding a health insurance company to stand behind a customer? When a major beef transpires with an insurance carrier, knowing the local agent who has provided service for years is a real boon. They know the situation and can go to bat to get things resolved. If people rely on general package quotes from online out-of-state sources, there’s the risk of not getting personal service.

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, July 1st, 2009 Press Comments Off on Where’s the Insurance Agent When You Need Help?

Who’s That Knocking on My Door?

Well no one actually is knocking on the door, at least not when it comes to life insurance.

That’s right, no more sales reps at the door offering to explain various Florida life insurance policies and hoping to make a sale. Technology has finally caught up with the life insurance industry and applications are now done online. Well, some life insurance agents offer this lovely new, no hassle feature. It isn’t widespread yet, but chances are it may be in a few years.

Imagine no more paper forms, no more scrambling for the pen the dog chewed, no more trying to figure out what forms need to be filled out and what medical information is needed to go with what question. No more filling cups of coffee for the agent in the living room who looks like they might be there all night with all the forms, booklets, pamphlets, and questionnaires.

No more trying to figure out what the answer to that last question was; it was so loaded with jargon it was hard to make out the normal English words, surrounded by those “not withstanding” clauses, etc. If the right agent is online and able to offer Florida life insurance via the Internet, imagine how much more simplified the whole process of applying would be without all the forms. There are online forms, but they certainly don’t take up pages and pages, like a regular life insurance form.

Offering Florida life insurance online doesn’t mean that people have to stop speaking to the agent who if offering the insurance. It’s like buying health insurance online, if there are questions, it is best to pick up the phone and call the agent directly for the complete picture. This is the same thing with life insurance online. If there are questions, things that pertain to someone’s individual circumstances, the agent would encourage a shopper to call and ask those questions.

In the meantime, remember that everything that a person needs to know is not going to be on the website. This is because there is far too much information to put it all on one site. Make it a point to contact the local Florida life insurance agent for further details if something on a form or a question doesn’t seem to make sense.

It’s an idea whose time has come –getting life insurance quotes online with all the comforts of home, and the option to contact an agent directly if that is necessary. Now that’s the ticket.

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, July 1st, 2009 Press Comments Off on Who’s That Knocking on My Door?

Health Care Insurance Co-Pay or No Pay

There’s a big difference between having a co-pay plan with an employer and having to put money out of one’s own pocket for medical expenses.

Not a lot of people really understand the differences between a co-pay situation and a no pay situation. The co-pay is an arrangement with an employer to pick up part of the doctor’s bill after a visit. This is actually a “benefit” not insurance, although many people think it is insurance. In any other circumstances, meaning not having a co-pay arrangement through an employer, the person will be paying the doctor’s office fees themselves.

If you leave the company you work for and you had co-pay benefits, then you will now have to get your own health insurance. Someone who has been used to having that nice co-pay benefit figures they only have to call an insurance company and ask for that insurance. Granted it is a type of insurance people may get, however the deductibles are staggering for an individual, as this is usually something a large company offers to workers.

If you’re used to the co-pay arrangement and would like to stick with that kind of arrangement, talk to your local insurance agent and find out what suits your needs and your special circumstances. If your insurance company is worth its weight in gold, they will take the time to walk you through the various other alternatives you might want to consider. This is one of the main reasons why it makes sense to stick with local health insurance agents, because they know the lay of the land.

It’s difficult to change from insurance that you are used to and find something similar to what you had when you were employed. Many people find themselves kind of stuck when they expect one thing and wind up not being able to get it, or be able to afford it. If you take the time to talk to a local health insurance agent, they will be able to assist you in choosing something that will work for your new situation.

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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Wednesday, July 1st, 2009 Articles Comments Off on Health Care Insurance Co-Pay or No Pay

What You See May Not Be What You Get

While you might see a great health insurance quote on a website, “preferred rate” is what it is called; it does not always mean you will get that rate.

The fact is that when health insurance companies figure out health insurance rates, they have a “preferred” rate for someone in tip-top shape. Unfortunately, not all of us happen to be in that kind of shape. Your rates are figured out depending on what your health conditions happen to be. If you happen to have a health issue or two, then this will likely mean you will be moved to a different category and have a different rate to pay.

Even if you decide to do an online search for health insurance rates, you need to remember that if you have asthma, stomach problems or allergies, this will make a difference. Not telling the health insurance agent that you have these conditions is not even an option. If you go for treatment for them later, this discrepancy will be caught later and your insurance may be canceled.

The reality of today’s world is that virtually everyone from you to your next door neighbor is being treated for something by a doctor. So, if you are getting allergy medicines, stomach pills or inhalers for your asthma, this will affect the rates you are quoted.

It doesn’t mean you won’t get insurance, it just means your quote will be different than the person who is in super shape and has no pre-existing medical conditions. You may, in some instances, be uninsurable depending on the condition you have. However, this is something you need to discuss with your health insurance agent. Usually there is some other alternative “if” that happens to be the case.

If you figure that by talking directly to the health insurance carrier that it will make a difference in your rates, you’d be wrong. The reason for that is that health insurance rates are federally mandated. Ultimately the differences in pricing will be attributable to what criteria the health insurance company uses to assess risk. Just remember that if the rate you see on the website isn’t applicable to you, there will be one that will apply.

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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Wednesday, July 1st, 2009 Articles Comments Off on What You See May Not Be What You Get