Archive for April, 2010

Don’t Compromise Health Insurance

Even if the price of health care is higher than it used to be, try not to compromise on health care insurance. There will come a time when it’s needed.

Most people these days are not able to pay much, if anything, for health insurance simply because the cost of everything is going up daily – that includes the price of medications, stays in hospitals and doctors’ services. “The main thrust behind health care these days appears to be profit, not necessarily the welfare of the patient. It’s no small wonder many individuals try to get by without health insurance at all. Risky move that one,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Not having health insurance may save money initially, until the sudden and unexpected happens (a broken leg, heart attack, or other major disaster). Treating the major medical disaster at the time it happens will ultimately wind up costing more than the person would have had to pay if they had health insurance. This one predicament alone is responsible for more medical bankruptcies than one can shake a stick at.

While it may seem like an uphill battle to find reasonable health insurance quotes, it can be done. The competition out there is fierce and with the changes coming to the health care system, it will get even better. That’s good news for consumers who will be able to take advantage of discounts on obtaining health insurance. “Let’s face it, waiting until you have a medical emergency will only mean you go into enormous debt, use your credit cards (with outrageous rates of interest) or wipe out what savings you may have.Finding affordable health insurance is a much smarter alternative to financial disaster,” outlined Tunis.

“If you don’t think it’s really possible to find reasonable health insurance, just go online and take a look at the literally thousands of online insurance companies. There is a deal out there with your name on it; you just have to find it,” Tunis commented. “While hunting for reasonable health insurance quotes may not be all that exciting, it will be beneficial for you if you find yourself needing that insurance,” he added.

Remember that cheap insurance doesn’t always equate to good coverage. So spend the time reading the policy offerings returned on a search. It’s a slam dunk that there ‘will’ be a policy at the right price with the right benefits for you. You just need to look for it,” encouraged 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.

Tags: , , , ,

Thursday, April 22nd, 2010 Press Comments Off on Don’t Compromise Health Insurance

What exactly does an Exclusion Rider mean for my policy?

When shopping for Florida Health Insurance it is important to understand what is means if you are given an exclusion rider.

An exclusion rider means a certain area ex. (knee) will not be covered under an individual insurance policy. Exclusion riders will not cover any injury or illness that is associated with the problem area.

It is always recommend to never get a plan that will have an exclusion riders.

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

Tags: , , , , ,

Sunday, April 11th, 2010 Blog Posts 2 Comments

Our Medical Costs Are Our Fault

Health care costs are an arm and a leg for a good reason. This is because the health care system is badly overused for the wrong reasons.

Medical procedures are certainly expensive but then, they should be. There are skilled and exacting procedures for people who really need them to make a difference in their life or to save their life. And therein lies a billion dollar problem. Americans overuse the health care system and have no one else but themselves to thank when the costs keep going up to keep pace with the system demand.

“Come to think of it, how many people do you know who run to the doctor when they have a minor infection or just want to try out a new drug they heard about on television? Chances are, if you think about that for a minute, you could think of a lot of people, likely including yourself, who have gone to the doctor for a minor cough, a mild flu or maybe even a funny rash. These visits cost us big bucks, and it’s just that simple,” explained Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Small medical complaints aside, the vast majority of Americans today sit and get fatter because they do not get up off the couch and get physical. Being overweight causes all kinds of deadly health problems ranging from diabetes to heart disease. Odd that so many people would choose potato chips over good health when those chips may ultimately give them a heart attack. “Bluntly put, as a nation we use much more health care services than we really should,” added Tunis.

If we were able to cut back on the number of heart bypass surgeries we do every year, health insurance costs would go down. If we cut back on the number of other major surgeries performed, health insurance premiums would also go down. “Way back when health insurance wasn’t too expensive, there were nowhere near the numbers of operations performed now. Bottom line is that our fitness and health are becoming dead last in the race,” indicated Tunis. We now have a nation of a great many moribund people who feel taking care of themselves is up to somebody else.

Health care and wellness education is one place to start turning this tide of expenses around. Although having said that, one can’t force people to cooperate and choose a healthy lifestyle. “Eventually, usually when it’s too late, those who have been overusing the health care system ‘get it.’ If we take control of ourselves and manage our own health care to the best of our ability, eventually this will make a difference,” commented 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.

Tags: , , , ,

Sunday, April 11th, 2010 Press Comments Off on Our Medical Costs Are Our Fault

Group vs. Individual Health Insurance

When shopping for Florida health insurance it is prudent to first ask if you will need group or individual health insurance.

Group insurance is recommended for businesses over four employees and if someone has a pre-existing condition.  Since group insurance is guaranteed issue, they cannot turn you down for medical coverage.

Individual insurance is usally recommended for individuals, the self employed and those who do not get insurance for there employer.  Since these policies are medically underwritten they are most always less expensive then group insurance.

If you have any questions please contact Evan Tunis at 800.946.3157.

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 insurancevisit Floridahealthcareinsurance.com.

Tags: , , , , , ,

Tuesday, April 6th, 2010 Blog Posts Comments Off on Group vs. Individual Health Insurance

When to Start Looking for a New Florida Health Insurance Policy

A common question I get from consumers is just when do I need to start shopping for Florida Health Insurance?

The simple answer is anytime.  If you are feeling you are paying to much for a policy get a quote from an established broker who can advise you whether or not your premium is to high or low.

Evan Tunis of Florida Healthcare Insurance says, “Many consumers keep paying their premiums without ever considering if they could get a better offer on the market.”  I have seen clients save thousands of dollars a year with just a simple phone call.”

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.

Tags: , , , , , , ,

Monday, April 5th, 2010 Blog Posts Comments Off on When to Start Looking for a New Florida Health Insurance Policy

Know What You Need before You Buy It

Like it or lump it, medical bills are going up and there’s not a lot you can do about it. It’s the 21st century reality.

Even going to the doctor to find out if you have a cold or the flu these days is going to cost you big bucks. That’s life in the 21st century. The cost of medical care goes up just about every day and wishing it weren’t that way will get you nowhere. Instead of banging your head against a brick wall and wanting the prices to go down, or the doctor to cut their fees (isn’t going to happen), opt for a flexible health insurance plan that is tailor-made for you. Yes, it can be done.

There is so much information out there on the Internet, in papers, magazines and at the behest of a simple phone call. No matter what method you use to gather your information, you won’t be going without enough knowledge these days. Usually one or two clicks will get you enough information on health insurance plans that you could spends days considering the various alternatives. That’s good news. Choice is always a wonderful thing.

Want to hit just the major online health insurance companies? Go for it. Want to shop local and find a health insurance broker in your neighborhood? That’s possible as well. All things are possible when it comes to finding a variety of reasonable quotes for health insurance that suits you. Start big and read as much as you can and then winnow down the facts to something that looks like it would suit you. That’s the time to reach for the phone and ask some more questions.

What’s really the right thing for you? Health insurance is a very individual thing and what your neighbor may have is not necessarily going to be what you need. Go into buying health insurance by taking your age and health into consideration, as well as your budget. In other words, if you can’t push the budget envelope to get an expensive plan, then don’t do it. The last thing you need is to pay expensive premiums and then lose the policy later if you can’t pay for it. Start small and revisit the budget later.

Talk to your health insurance agent about the quality of the policies on hand as well. This means ask about the benefits that go with the policy that might work for you. Usually most health insurance plans are close in price, but the difference will be in the benefits, co-pays and deductibles. Think smart and you’ll get a good health insurance plan that’s right for you.

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.

Tags: , , , ,

Sunday, April 4th, 2010 Articles Comments Off on Know What You Need before You Buy It

Life Insurance – Don’t Get Hung on the Details

Trying to figure out all the details of what you want for life insurance is guaranteed to cause a headache. That’s what an experience broker is for.

The fact is that one of the most often asked questions when it come to buying life insurance is very simply how much would the person really need. There is no right or wrong answer to this because in each person’s case, the answer will vary. It really boils down to what’s best for the person who is asking. This is one of the major reasons for someone contemplating buying life insurance to talk to an expert broker who can fill them in on the details they need to make an informed decision.

Yes, a lot of people figure term insurance is the only way to go. And that may be for a vast majority of people, but it doesn’t mean it is applicable in every case. Whole or universal is a good choice for some individuals but in general, term insurance works best for the greatest number of people.

You have to give this matter “some” thought first. So, start with figuring out what kind of lifestyle do you want your family to have if you die? How hard will it hit your family financially? Will your partner continue working? Do you want your family to stay in the same house? Do they really even need insurance to make it without you? These are questions you should also discuss with a skilled insurance broker who will be able to focus your thoughts by providing you with answers to your questions, as well as other variables for you to consider.

So, typically speaking, most people need or want insurance based on what their current financial situation happens to be. Let’s say for instance the person wants to get insurance to meet just a specific need; say, death expenses and a small bequest to a niece or nephew. Both individuals work and take home a good wage and have no children of their own. This person may just want enough insurance to cover debts because the spouse will likely keep working.

Your insurance agent could calculate this for you. It’s just a matter of figuring out the amount of your debt and any other things you want covered, and that gives you the amount of insurance you’d likely want. Keep in mind, you will owe “less” money over the years. At least that’s the plan. So here is how you could handle that: take out a variety of terms – say $150,000 for ten years and then $150,000 for 20 years. These are just examples of course and you’d want to talk this over with your agent.

Remember, you can cancel life insurance anytime, and if you are out of debt well in advance of your schedule, just drop it. There is really no one hard and fast answer to what a person should do, because everyone has different needs. Basically, it’s a matter of making a choice on an amount and biting the bullet.

There are other scenarios to consider, like making sure your kids have a future income, etc. All these are options about which you can talk to your insurance agent. That’s what they’re they for in the first place. They know their products and can explain things to you in plain English without the jargon.

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.

Tags: , , , ,

Friday, April 2nd, 2010 Articles Comments Off on Life Insurance – Don’t Get Hung on the Details