Archive for March, 2010

Avoiding These Florida Life Insurance Mistakes

  • Not considering life insurance at all. Life insurance forces us to take a look at our own mortality, a subject most people would prefer to ignore.  In fact, one third of all adults have no life insurance at all.
  • Relying on rules of thumb. When d eciding how much life insurance you need, avoid common rules of thumb, such as five to 10 times your annual salary.  These are general guidelines and are not meant to be a definitive guide to the amount of coverage you need.  You need to determine how much money your family requires annually to maintain their standard of living and how long they will need that money.  Once you have these estimates, you can more accurately calculate the amount of Florida life insurance coverage for your family’s situation.
  • Not evaluating your situation periodically. Your life insurance needs are likely to change over time.  Thus, you should periodically review your needs to see if changes are warranted.

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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Wednesday, March 31st, 2010 Blog Posts Comments Off on Avoiding These Florida Life Insurance Mistakes

Read It Before You Buy It

No matter how many times an insurance broker advises people to read their policies before they buy them, people just don’t do it. This isn’t a good idea.

For those that want the best of the best in terms of health insurance, be prepared to pay top dollar. For some this isn’t a problem, however for the majority of Americans it is a huge obstacle. Most Americans are struggling to just put food on the table these days. That doesn’t mean that there isn’t affordable health insurance plans for those with a lower income, because there are a variety of choices out there,” explained,” Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

With budgets being as tight as they are right now, cost is perhaps the single largest criteria for those looking to buy health insurance. It needs to make sense to them and to also be something they can pay for now and in the future. “More importantly, the

policy also needs to provide adequate coverage for their needs. While this may sound like an impossible combination, it is actually doable. This doesn’t mean that the person doing the shopping around should ignore ‘other’ vital facts besides the cost,” Tunis advised. While cost is a factor, what is in the policy is even more important.

“If people don’t read the policy they want to buy, they will have no idea what they are actually covered for and this can lead to some really ugly moments later when they need health insurance coverage. This is why we always tell people to read the fine print and ask us what the insurance does ‘not’ cover, which is just as important as what it ‘does’ cover,” explained Tunis.

Keep in mind that it’s smart to shop health insurance policies because no matter where you live there is always going to be competition for new customers. Prices may vary based on the cost of living in that state, what type of occupation a person has, how healthy that person is or is not, and their age. Those with high risk jobs that include fireman and police officers will often see higher premiums.

Seniors have a different set of concerns to address and typically health insurance packages tend to have various restrictions and constraints. This is another thing to ask an expert health insurance broker as well, as they are able to offer various alternatives that might even be better. “While it’s smart to be budget conscious, there are times when one’s age may dictate what a person needs to have, not what they want to have, and that’s just a fact of life,” added Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Read the health insurance contract and gain even a passing understanding before signing on the bottom line. It’s vital to know costs, the method of payment, how long the policy is in effect, and the terms and conditions.

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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Thursday, March 25th, 2010 Press Comments Off on Read It Before You Buy It

How Health Insurance Reform will Affect Florida Residents

Since yesterday night we have been receiving calls on just how the new health reform will effect Florida Residents.  Here are a few questions and answers.

Will the new law cover pre-existing conditions?  The good news is yes it will.  However if you are looking for a plan today, keep waiting we are looking at the year 2013 at a minimum for a major medical to cover pre-existing conditions.

Will there be lifetime limits on my new policy? The short answer is NO.  All policies will have no lifetime limit.
If you have any questions regarding the reform or would like a quote on a new policy please call us at 800.946.3157.

To Your Health,

Evan Tunis
800.946.3157/561.201.8387
evan@floridahealthcareinsurance

Florida Healthcare Insurance

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Monday, March 22nd, 2010 Articles, Blog Posts Comments Off on How Health Insurance Reform will Affect Florida Residents

Health Reform Is Years Away, Act Now

It’s a no-brainer that health reform is going to take a lot longer than what the government says. Act now to get your health insurance.

Better to have something than nothing is the old saying of those who realize that indeed, in some instances, having five cents is better than nothing. How does this apply to health reform? Having something in terms of health insurance coverage, even something minimal, is better than having nothing. There is no point in waiting for health care reform to kick in and then be mandated to get a policy you might not want.

“Health reform is honestly all over the map, and every day there is something new about it in the news. It started out as one thing, with one goal, more or less, and then somehow evolved into a document so thick it could be a doorstop. Now, since the State of the Union address, the nation is confused again over whether health care reform is coming or not,” indicated Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

The longer people wait to find out what the reform will actually mean for them, the harder it will be for them to get health insurance that works for them. If health reform is passed into law according to what is in the media, those without health insurance will be forced to get it. Nowhere is there any mention that they will have choices in what they get.

The latest concern arises from the eighteen words, out of thousand in the State of the Union address, the President aimed in the direction of the health reform initiative. “He spoke of health insurance needing reform, so that everyone would have access to the system. Re-read that last sentence, because it says health ‘insurance’ reform. If he honestly means health insurance reform, the big boys aren’t going to be very happy about that,” added Tunis.

Reforming health insurance is one thing; reforming health care itself is another. “Right now no one seems to be clear on who is doing what. Rather than wait until the dust settles and be forced into taking something that might not suit you, wouldn’t you rather take control of your own health insurance choices and know what you are getting?” asked 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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Saturday, March 20th, 2010 Press Comments Off on Health Reform Is Years Away, Act Now

You Can Save Money by Shopping for New Florida Health Insurance

Have you seen the commercials for auto insurance where the couple is reluctant to shop for new insurance for fear it will take all day?  If you had seen the commercial you  would know the couple gets multiple quotes within seconds and saves money on there auto insurance.

This is precisely what we do at Florida Healthcare Insurance.   We shop all of the top A Rated carriers in Florida and match up an excellent plan that will save our clients money.

Just give us a call at 800.946.3157 and we’ll demonstrate how easy shopping for florida medical insurance can be.

Evan Tunis

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Thursday, March 18th, 2010 Articles, Blog Posts Comments Off on You Can Save Money by Shopping for New Florida Health Insurance

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Wednesday, March 17th, 2010 Blog Posts Comments Off on Follow Us on Twitter

Go with HMO or Not?

Should you go with an HMO or not when you are searching for a health insurance plan? Perhaps managed care will work for you.

For those that don’t know what an HMO is, it stands for health maintenance organization, a type of managed care organization. An HMO sets out guidelines for their affiliated physicians to work with in terms of care to provide and price structures. Is that a good thing for you? In some respects, it may very well be, but it’s a decision you will need to make, based on your personal preferences.

Generally speaking HMOs have lower monthly fees when compared to other alternatives. In addition, the fees are deducted from a paycheck. Keep in mind that this requires a co-pay or the amount paid during a treatment that is deductible from the overall cost of the medical bill. This isn’t to say the rates are the same for every doctor in an HMO, as this is not the case. Each doctor’s office bills out according to their office hourly rate, what tests they may conduct, or treatments they handle for you at the office; e.g., giving needles, taking blood pressure, examining ears, etc.

Here is the most crucial question you will want to ask though and that is how can an HMO offer less expensive health care? The first way this is possible is because they do business on a volume basis, as in they have millions of people as subscribers. They also deal directly with health insurance companies and thus get a better deal, based on volume.

The second reason HMOs are able to offer better rates is because one of their main focuses deals with preventive health care and to that end they work to inform their clients of ways to better enhance their health. This tends to involve, among other things, proactive communication with patients by using handbooks and health guides.

There are some other points you will need to know about HMOs prior to deciding if they are for you. For instance, you will need to pick a primary care physician because that is compulsory if you opt to be in an HMO. Primary care doctors may be GPs, pediatricians, internists or family doctors, and they are more or less the first person you seek medical care from; call them the gatekeeper of medical services or the first port of call.

The idea here is that this doctor figures out what treatment the patient needs or doesn’t need, and will step up to bat to handle all other health care issues, unless there is a need to send the patient to a specialist. You can’t go directly to a specialist without a referral from your primary care doctor. If you opt to choose something called an open access HMO, then you would be able to go to whomever you choose for doctoring. The costs of an open access HMO is higher when it comes to expenses such as co-payments and co-insurance.

Some cons of choosing an HMO involve the quality of the service provided; the lack of tests offered even though they are called for by the doctor; HMOs that refuse to pay for treatments even if the doctor does recommend them; and how little time the doctor has to spend with patients when they go for an appointment.

What you choose will be what you think works for you. Check out both sides of the debate when it comes to choosing an HMO or not. An informed decision is better than one made without any information.

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, March 14th, 2010 Articles Comments Off on Go with HMO or Not?

Get Your Quote from the Broker Who Owns the Website

Surfing the Net and find a great site with good information? Then call the broker who owns the site for more information.

I don’t know how many times I have heard this refrain from people trying to buy insurance online: “I hate talking to insurance agents on the phone.” While that might be the case, if you get a quote from an online insurance company, it only makes sense to pick up the phone and call them. Who better is there to answer your questions?

Sure it’s sometimes difficult to just talk to a stranger about your personal health conditions, but if you need insurance, this is what you have to do to get what you want. If you want a health insurance package that makes sense for you, or for you and your family, calling the broker to get more in-depth information is a smart move.

You want to get a quote from a professional looking website; one that is clean and easy to navigate and has lots of interesting information on it. But more that than, you want to get an instance quote; a quote that is relevant to the area in which you live. Why focus on the area where you live? Quotes from health insurance brokers/agents where you live are much more relevant in terms of being tailor-made to your needs.

Big box insurance companies online can still sell you policies, but they have no clue, and could care less, about what hospitals in your area are the best, which doctors provide various services in demand and which don’t; and more importantly, who pays their claims on time and who does not. This is insider information that a local agent would have.

The local agent knows their area inside out, and once they know what you are looking for in terms of a reasonable health insurance package and they know your medical concerns, they can find you the best deal locally. It’s very smart to do a deal for health insurance locally, and then be able to get personal service later. Those are the two things for which people surfing the Net for insurance want to find: a good package for a reasonable price and personal service.

So the next time you happen to be surfing online for a health insurance broker, choose a site that really has a professional presence, has good information that you can use right away (even if you don’t buy insurance yet), offers you good service and is local. Calling that local broker will be the best financial decision you ever made.

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, March 7th, 2010 Articles Comments Off on Get Your Quote from the Broker Who Owns the Website