Archive for August, 2009

Reevalute Your Life Insurance

As retirement age approaches, it’s usually a good time to reassess your florida life insurance policies to see if your needs have changed.  Especially if your insurance premiums are high, you may be tempted to cancel the policy, take the cash surrender value, and enjoy retirement.  Before doing that, however, make sure there aren’t other uses for your life insurance policy, such as:

  • To leave a legacy to heirs-

Even if the money isn’t needed for your children’s support after your death, many people like the thought of leaving a large inheritance to their children or grandchildren.

  • To pay your grandchildren’s college expenses

With the rapidly increasing costs of college making it more and more difficult for parents to cover this cost, you might want to use an insurance policy as a college fund for your grandchildren.

  • To support adult children

There are a variety of reason why you might want to provide financial help to an adult child.  Perhaps your child is a doctor, but has significant debt from college.   Or your child might work at a job that doesn’t pay a substantial amount of money.

  • To help with long term care costs

Many individuals don’t purchase long term care insurance believing their spouse will take care of them.  However, when one spouse dies, there may not be anyone to take of the surviving spouse.  The proceeds of a life insurance policy can be used to provide long term care for the surviving spouse.

  • To optimize pension benefits

When retiring, irrevocable decisions about pension plan benefit payments must typically be made.  You could use the proceeds for a life insurance policy as a source of income for your spouse after your death.

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.

visit Floridahealthcareinsurance.com.

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Saturday, August 29th, 2009 Blog Posts Comments Off on Reevalute Your Life Insurance

Why You Should NEVER purchase AIG/ Homeland/ AIM/ Cinergy Health Products

Just this past week I had a client reply to me that they wished to switch from their major medical United Healthcare product to a product from Cinergy Health.  While these carriers have clever marketing campaigns that make it seem like they are major medical plans they are anything but.

Here are a few reasons to avoid these plans.

  1. This is basically a discount plan, they only cover $50 of a doctor visit, or any procedure being done. Only 6 times a year.  Most of all call your doctor of choice and ask them if they accept them.
  2. This is not a major medical plan.  The plans are a limited benefit hosptial /surgical and say as much in the brochure.
  3. They do not cover labs and only cover a portion of any surgical procedures.  Imagine being hospitlized for with a $50,000 bill and having your insurance carrier advise you that will only cover 80/20 up to $2,000 per day!  This is exactly what these carriers will do and you will end up bankrupt.

If you have any questions regarding any of these carriers or would like to move to a major medical please visit our website at www.floridahealthcareinsurance.com

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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Tuesday, August 18th, 2009 Blog Posts Comments Off on Why You Should NEVER purchase AIG/ Homeland/ AIM/ Cinergy Health Products

Health and Life Insurance for the Overweight

Have you ever applied for health insurance only to be rated up 50% for your height/weight?  All carriers have certain guidelines and if you are over these guidelines will likely end up in you paying more each month for your health or life insurance.

However, not all carriers use the same index.  Some use your BMI(Body Mass Index)  while others merely looks at a height/weight chart.

If you would like to get health or life insurance but do not know the guidelines for a particular company please call our office at 800.946.3157.  We will compare every carrier in the state of Florida to find you the best value at an affordable rate.

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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Thursday, August 6th, 2009 Blog Posts Comments Off on Health and Life Insurance for the Overweight

Choose Medicare Supplements that May Save Money

It’s a well-known fact that Medicare supplements are much more versatile than Americans think. There are so many options available that people may opt for a health care plan ideally tailored to each individual.

We all know that supplements are designed to help something that does not quite make the grade in the first place; that supplements make things better, sort of like taking vitamins. The original health care system was designed to be all things to all people, but seriously fell short in some areas. This is why there are Medicare supplemental health insurance policies, and they’re sold by private health insurance companies.

Medicare supplement policies (called Medigap) fill the “gaps” in the original Medicare plan, and they help top off out-of-pocket medical expenses that people would be forking out – depending on which plan a person had. Note: The plans are actually called “parts.” What this means is that Medicare and Medigap work together to cover health insurance costs.

The thing to remember is that Medigap policies in each state are standardized, which means they have specific benefits common to them all, and this applies no matter where a person happens to live. One further thing to note is that standardized doesn’t mean people have less choices to suit their individual lifestyles. There are 10 different parts lettered from A to J. Part A is the one that has to be offered in all states; F the most popular.

Now, with respect to Medigap parts – Medigap parts have different sets of basic and extra benefits. Part A is mandated, but parts B through J MAY be offered if the health insurance carrier wants to offer them. Plan A is only available to people without medical coverage due to disability and Medicare combined with Plan A is the lowest level of coverage.

None of this should prevent a smart shopper from calling around for different rates. People can actually save money on Medicare/Medigap combination deals because this is the only area (Medigap) where health insurance companies set their own rates. What health insurance companies offer is standard, but the price for the choices is variable.

If a person is considering a Medigap policy, they will need both Medicare Parts A and B. There are other considerations, but talk to a local insurance broker. Their advice is free and they will save consumers a lot of time trying to find the answers to Medicare questions.

To learn more about

It’s a well-known fact that Medicare supplements are much more versatile than Americans think. There are so many options available that people may opt for a health care plan ideally tailored to each individual.

We all know that supplements are designed to help something that does not quite make the grade in the first place; that supplements make things better, sort of like taking vitamins. The original health care system was designed to be all things to all people, but seriously fell short in some areas. This is why there are Medicare supplemental health insurance policies, and they’re sold by private health insurance companies.

Medicare supplement policies (called Medigap) fill the “gaps” in the original Medicare plan, and they help top off out-of-pocket medical expenses that people would be forking out – depending on which plan a person had. Note: The plans are actually called “parts.” What this means is that Medicare and Medigap work together to cover health insurance costs.

The thing to remember is that Medigap policies in each state are standardized, which means they have specific benefits common to them all, and this applies no matter where a person happens to live. One further thing to note is that standardized doesn’t mean people have less choices to suit their individual lifestyles. There are 10 different parts lettered from A to J. Part A is the one that has to be offered in all states; F the most popular.

Now, with respect to Medigap parts – Medigap parts have different sets of basic and extra benefits. Part A is mandated, but parts B through J MAY be offered if the health insurance carrier wants to offer them. Plan A is only available to people without medical coverage due to disability and Medicare combined with Plan A is the lowest level of coverage.

None of this should prevent a smart shopper from calling around for different rates. People can actually save money on Medicare/Medigap combination deals because this is the only area (Medigap) where health insurance companies set their own rates. What health insurance companies offer is standard, but the price for the choices is variable.

If a person is considering a Medigap policy, they will need both Medicare Parts A and B. There are other considerations, but talk to a local insurance broker. Their advice is free and they will save consumers a lot of time trying to find the answers to Medicare questions.

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.

visit Floridahealthcareinsurance.com.

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Wednesday, August 5th, 2009 Press Comments Off on Choose Medicare Supplements that May Save Money

Disability Plans May Prevent Financial Ruin

People need to know they have a constant income in the event of a disability affecting their job.

Everyone knows that the economy is in shambles and that just about everyone is squeaking by with the skin of their teeth. Unfortunately, the number of Americans who are in this wobbly boat is growing on a daily basis, with no end in sight within the foreseeable future. It’s times like this that workers relish the security of a constant income in the face of disability, and it is possible with planning.

In the event of a medical catastrophe, having disability insurance would provide some peace of mind that the bills are being paid. “While many have Florida health insurance to cover the incidental illnesses of life, if they are hurt badly enough to not be able to work, they would not be able to pay daily expenses without an income. In addition, they would have medical expenses that were not covered and the inevitable insurance deductibles,” said Evan Tunis of Florida Heath Care Insurance.

There are a lot of Americans who tend to think that nothing bad will happen to them and when it inevitably does, they may face a journey that includes foreclosure on their home and personal bankruptcy as a result of their disability. “There is actually a three in ten chance of becoming injured enough to not be able to work to earn a living,” outlined Tunis.

In order to protect the family, assets and lifestyle, planning in advance is a smart move. The next smart move is choosing the right disability insurance product with the help of a well-qualified Florida health insurance broker. “It’s a bit of a conundrum to buy catastrophic health insurance, and then be too disabled to work and have any level of income. Check out disability insurance plans because they have the potential to save a personal lifestyle,” added Evan Tunis of Florida Heath Care Insurance.

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, August 5th, 2009 Press Comments Off on Disability Plans May Prevent Financial Ruin

Major Medical Popular

Over the years, major medical (catastrophic) insurance has become the darling of young professionals.

The reason major medical seems to be so popular is because it’s totally affordable and will offer outstanding protection for major medical problems when they arise. While it’s a good Florida health insurance plan, it still should be examined in-depth before anyone makes a decision to buy it.

All Florida health insurance plans have their pros and cons and those need to be taken into consideration when buying health insurance. Never leap before you look is a good rule of thumb when considering various types of Florida health insurance. In order to figure out the good and the bad of major medical, start by finding out what the advantages and disadvantages are with this plan.

Let’s take a look at a few of the advantages of major medical. For instance, we already mentioned it is very reasonably priced. The reason for that is because a younger person, in good health, may have Florida health insurance quotes on premiums as low as $40 a month.

Plan coverage is also very attractive for those “whoops” moments we all seem to run into in our lives. Major medical Florida health insurance would pay quite a large amount of the bill because it is deductible based – meaning the insurance company forks the dollars over to the medical provider and just takes its deductible.

Having mentioned the deductible, this may also be a disadvantage because the higher the deductible, the more affordable the insurance plans. This means that policyholders will be coughing up a large chunk of change to cover medical bills. Also, keep in mind that this kind of plan is “only” for major medical events, not something like a condition that needs regular medical visits.

So, take a look at the pros and cons and then make the decision about what you want and if you think it will be a good risk for you to take. Before making the plunge, talk to a qualified, licensed Florida health insurance broker who knows his stuff; that might help you make up your mind as well.

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, August 5th, 2009 Articles Comments Off on Major Medical Popular

Practical Solutions for Cheaper Medications

If you want to cut costs for your health care expenses, use generic drugs.

We all know that health care these days is really pricey, and the costs just keep escalating. It’s no particular secret that Americans tend to overload and overwhelm our current health care system. Far too many people use a hospital as a doctor’s office, run to a physician with a minor problem or just visit the doctor to ask about a new medication. In other words, we are using the system in ways it isn’t supposed to be used. This ought to make you give serious consideration to taking a look at your own habits when it comes to using the medical system.

No one is saying you have to be a crusader for others, to stop them from overusing the health care system. However, there is something to be said for taking responsibility for your own habits. What you do will make a huge difference in how much money you save in the long-term. Think that is a load of baloney? Give the matter some thought first, before deciding one way or the other, and keep reading for some ideas to cut your health care expenses.

Want to save mega-bucks on drugs? If you do want to cut expenses on your medications, then shop online by using mail order pharmacies. Make sure they are reputable of course and then go ahead and order. It doesn’t matter where they are located – either in Canada or the U.S. – because the bottom line is saving money. So ultimately, you will be looking for the best prices you are able to find. Hint: sometimes cross border online shopping will net you a month’s supply of meds for $15 instead of what you’d pay at home at the pharmacy – say $150. Saving that kind of money every month is pretty attractive to say the least.

Paying less for meds makes a significant difference in the amount of money you shell out every month. This of course means having money for other things that are needed for your family. You work hard enough as it is for your money and paying less for medications is very enticing.

Hint: buy generic drugs. You really don’t need to use a brand name drug when a generic one will do. Besides, it will save you even more money. Many people think that generic drugs are not as effective as the old standby brand name drugs. This is not the case. The only differences between brand name and generic drugs may lie in the coating or pill size, but the way they work is the same as brand name drugs. The drug is the same; it’s just that a big name Big Pharma company didn’t manufacture it.

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, August 5th, 2009 Articles Comments Off on Practical Solutions for Cheaper Medications