Archive for January, 2010

Small Business Health Insurance an Option in Florida

It’s fairly easy to get Florida small business health insurance. In fact, it’s easier than going for an individual health insurance policy.

A lot of people running small businesses don’t know this particular piece of information; that they would be far better off with small business health insurance than an individual policy – even if there are health issues involved. The thing to keep in mind is that there are different laws about Florida small businesses.For instance, the law in the state of Florida mandates that health insurance companies sell “any” small business a group health insurance policy. By definition, a small business (small group) has at least a minimum of two workers but, not more than 50.

“There is some eligibility criteria that people need to meet for small business health insurance and one of the requirements is that the worker is employed under a boss who actually runs a legitimate company. In addition, in situations like this, if a small business does succeed in getting small business group health coverage, they are not allowed to cancel the plan because one person may need it,” outlined Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

The good thing to know is that getting a small business group health insurance policy has a lot of advantages going for it. For example, it offers excellent medical care for owners and employees and actually lowers the financial risks of each member of the group. “With lower premiums, just about everyone is happy. The wider coverage for group health insurance is also a major advantage that many people appreciate,” added Tunis.

When pricing comes into the equation, prices for Florida small business group health insurance are really reasonable, and are based on a standard rate. “That standard rate happened to be the average of the risk associated with everyone in the group as a whole. In a small business plan the participants may pay up to 15% more or less the standard value. The amount they pay is dependent on medical conditions,” said Tunis.

One thing to keep in mind is that if the members in the “group” are quite healthy, meaning without any pre-existing medical conditions, then they may pay more in a small business health insurance plan than on an individual health insurance policy.

“This is because the whole group is taken into consideration when the rates are set. When in doubt about what might apply in a small business group health plan scenario, speak to a local health insurance agent who is familiar with this area,” explained Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida. They will be able to assist customers and businesses select what works best for them.

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

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Monday, January 25th, 2010 Press Comments Off on Small Business Health Insurance an Option in Florida

Denied Florida Health Insurance Find Other Options

There are some people in Florida that are denied health insurance as a result of certain medical conditions. There is another way to get health insurance.

Thankfully, there are ways that those denied health insurance in Florida are still able to get insured, which is a good thing, since statistically speaking it’s one of the more expensive places to get health insurance. Interestingly enough, there is no set limit on what an insurance company may charge people in Florida for a policy. “However, smaller companies know that people who want and need health insurance are just like us, and we price our policies accordingly,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Despite conditions being ripe for insurance companies to charge what they want for health insurance, there are smaller companies who offer decent prices, good service and excellent health insurance policies suited to each individual. “And the best thing is that if someone has been denied health insurance for a specific condition, there are companies, like ours, that will take the time to shop the condition around and find a carrier who will insure that individual,” added Tunis.

This is largely due to that fact that Tunis knows his carriers inside out and can immediately find what is needed for his clients. It’s refreshing to know that there are still some companies in the health insurance business who really care about their customers and who will go out of their way to make sure they get what they need.

While it might seem like a major hassle to have to ask around all over the place to get a health insurance policy due to a pre-existing condition, the solution is to see a local health insurance broker for one stop shopping. Tunis knows precisely what that is like and has handled many people searching for decent health insurance at a reasonable price. “We know all the carriers and we know where to go. I’ve been able to find people what they need. All they need to do is ask us and we are more than willing to help them,” said Tunis.

Handling those who have been denied insurance is not that hard; at least, it’s not as hard as some people would make it out to be. “The thing is that just because a person was denied by one carrier for a certain condition, doesn’t mean they will be denied by another one. There may be a great deal of flexibility between one carrier and another. For instance, one carrier may outright decline a pre-existing condition like asthma, while another will okay it so long as the person is able to prove they have the condition under control,” outlined Tunis.

“There are ‘always’ other alternatives if someone has been declined for insurance and we welcome those who have been denied health insurance to come and see us, call us or stop by our website. We have access to a large number of carriers and will be able to find them something that works for them,” stated Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

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

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Wednesday, January 20th, 2010 Press Comments Off on Denied Florida Health Insurance Find Other Options

Obesity Raises Health Insurance Rates

Being fat is “not” where it’s at and obesity will send the cost of your insurance premiums skyrocketing.
Florida is not exactly a “small” state, not with a growing population of at least 18 million people. That actually places Florida as the fourth largest state of the Union. Just about 20 percent of the population has no insurance period. Out of that 18 million people, just about 60 percent of them are classified as overweight or morbidly obese. The facts are that if you are seriously overweight and want health insurance, you will be shelling out more money for your premiums. For example, over the last decade or so the average annual cost of Florida family health insurance has shot up over 119 percent.

Think about that for a minute. One hundred and nineteen percent is a major increase in health insurance premiums. While some of the reasons for the increase have to do with the rising costs of health care services, those are the same services that overweight and obese people are using “more” because they are not healthy. It’s a bit like a revolving door in some respects. Obesity promotes poor health and poor health promotes people needing to use the health care system frequently which increases the costs of service to “everyone” across the board.

For those looking for health insurance in Florida, there are three kinds of policies you can get and they are government sponsored, individual and group insurance. What you choose or are used to is generally based on your circumstances. For instance, just about 50 percent of those who have a job in Florida have group health insurance through their place of work.

In cases like that, everybody has the same insurance and no one can be denied. Generally speaking, the employer also pays the premiums – either partially or wholly. Also, if you lose your job, COBRA says you get to stay insured for 18 months so long as you pay the whole premium on your own.

For those that have individual health insurance policies, they might be denied if the insurance company thinks you are too high a risk to insure. Individual insurance is not like group insurance where everyone gets the same policy. Individual insurance means every policy is unique to that person. That means you get to choose what options suit you and tailor make a health insurance plan that works for you. When it comes to premiums however, they are largely set according to actuarial tables based on your hobbies, occupation, age, sex, present health conditions, and any pre-existing conditions.

The bottom line here is that to find what you need in terms of health insurance in Florida, speak directly to a knowledgeable local insurance broker. They are able to give you a much wider choice of options open to you than what you may find on a website. In addition, the personal touch is something that can never be underestimated. That is what good service is all about.

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

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Sunday, January 10th, 2010 Articles Comments Off on Obesity Raises Health Insurance Rates

Life Insurance Offers Proper Protection

If you want to make sure your family is protected if something happens to you, the way to accomplish that is to have the proper life insurance in place.

While this might seem like a good idea, and you may be ready to buy life insurance because you realize the value it has for your family, where on earth do you get started? There are just so many different companies with different policies and rates that it gets confusing after about the third website. Ideally what you want is a company that knows its products, knows how to explain them in plain English, and doesn’t try to shove something down your throat that you don’t need.

This company needs to be willing to listen to what your needs and requirements are and then translate those into a policy that works for you and with you. The last thing you need is an insurance policy that doesn’t work and won’t give you what you want to provide for your family. This is where it comes in handy if you write down a list of questions to ask your local life insurance broker. The more questions the better; after all it’s “your” life and your money paying the premiums, and you deserve full and complete answers.

Before you get started looking around, decide what you really and truly want from a life insurance company. You could start with comparing life insurance rates with the most popular companies online. Check their websites and find out what they offer for you and your family. Many will ask you to have the usual physical exam before they approve you.

They will also need a list of pre-existing conditions. Whatever you do, don’t leave stuff out in that section, because they will find out about it later, which could disqualify you. In most instances as well, you will be asked to get a letter from your physician outlining what you do have in terms of pre-existing conditions and what medications or other things you are doing to control the conditions.

The usual rule of thumb when you compare life insurance companies online for their policies and premiums is to check out five. While this may seem overwhelming, the best way to go about doing this is to get one quote from one company a week and then compare. That way you don’t get everything in at once. Talk about confusion. The good thing about dealing online is that the quotes are free and if you take the time to speak directly to some of the agents, you will get a good idea or not if the company suits you personally. Keep in mind that the lowest price isn’t always the way to go.

With information in hand, you can now make some decisions. If the cascade of paper is too much, contact an insurance agent to help you winnow it down to something a bit more manageable. The insurance agent is also fully trained to be able to get the quotes you need for the “right” coverage. This will save you an enormous amount of time in the long run and it will also save you money.

While life insurance should never be “too” expensive, it does have to be at a certain level depending on what you want that policy to do for your family. This is one of the most important things you will want to discuss with your agent. So, while you are asking questions, have the agent outline what the various policies mean and how they pay out. This is information that will come in handy when you are making decisions.

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

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Saturday, January 2nd, 2010 Articles Comments Off on Life Insurance Offers Proper Protection