Archive for August, 2010

Read about health insurance before you buy it

You wouldn’t buy a car without knowing what you were getting. Why buy health insurance without checking it out?

Any major consumer purchase, and yes, that includes Florida health insurance, is something that we need and can’t do without. Most often, before you shell out your hard earned cash on that deal of a lifetime, you find out everything you can about it, sometimes right down to whether or not it comes in other colors, has various options in place and whether or not it has a guarantee. In other words, you find out everything there is to know about the product before you buy it. Makes sense.

Why is it then that a great number of people who go to buy Florida health insurance don’t take the time to find out what they’re getting? At the very least, it would pay them to shop around for price breaks, not to mention take advantage of other benefits. After all, health care is vital to everyone because whether or not you have health insurance now, you will need it at some point in your life – guaranteed.

These days, there are a lot of people who need insurance, are about to buy insurance and who will be buying insurance before the mandatory requirement to have it kicks it. Keep in mind that you may buy insurance for what you need, and opt out on what you don’t need. You can customize your Florida health insurance to suit your needs, and that puts you in control of the bus and your budget.

Right now, insurance carriers are competing for new business and are often more willing to do a deal to suit the consumer. Whether this will last or not is an entirely different question. In any event, taking matters into your own hands and doing your research is a smart idea when it comes to buying Florida health insurance.

Once you have done your homework online, you would be smart to call the insurance agent directly and find out specifically what will work for your circumstances. There is only so much you can find out online, and the agent is a veritable walking encyclopedia of knowledge to help you. In addition, what you see online may not apply to you, so asking questions will fine-tune your requirements, leaving you with a policy that suits you to a “T,” because the insurance agent knew his stuff.

The trick to buying individual health insurance is getting only what you need, without any extra added coverage that you’ll likely never use, which would increase the premiums. You know best what you need, but again, if you hit a wall with the exceptions, exclusions and other unexplained terms and rules, make that call to an agent. Their advice is free and it’s well worth the time to save you money.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Monday, August 30th, 2010 Articles Comments Off on Read about health insurance before you buy it

Don’t Be Stupid, Make Sure You go with an A Rated Carrier

Browsing around today’s paper I came upon an article detailing how the FTC was trying to shut down CHBA(Consumer Health Benefits Association) for selling phone Florida Health Insurance or worse discount plans.  This coming only weeks after the banning the sales of AIM Health Plans.

Just who exactly are buying these plans?  The same people who go to McDonald’s each day and then wonder why they are putting on a few pounds.

Listen if your financial future is dependent on any of these carriers; Team Corp, New Era, Assurant Health Access, Health Option One, Mega Life, Midwest National, United American  etc run for the hills.  These plans are glorified discount plans and will put you in poor house or bankrupt.  Please make sure you speak with a licensed broker who only deals with A Rated Carriers through AM Best.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Thursday, August 12th, 2010 Blog Posts Comments Off on Don’t Be Stupid, Make Sure You go with an A Rated Carrier

5 Conditions that raise Florida Life Insurance Rates Most

When it comes to Florida Life Insurance your health is the main factor in your premium.  Fact, the healthier and more active you are the cheaper your rates will be.

Here are the Five Things that will will raise the price for your Florida Life Insurance

1. Heart Disease

2. Diabetes

3.  Cancer

4.  Obesity

5.  Pulmonary Disease

For more information of Florida Life Insurance please contact Evan Tunis at 800.946.3157

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Wednesday, August 4th, 2010 Blog Posts Comments Off on 5 Conditions that raise Florida Life Insurance Rates Most

Want an Honest Quote on Health Insurance Ask for a Pre-Screen

When shopping for Florida Health Insurance it is easy to find several quotes from various carriers within minutes.  However a question you should ask yourself is are the quotes accurate?

According to Evan Tunis of Florida  Healthcare Insurance, “In most cases quotes online are only quoting individuals  with optimal height/weight and who have no hospitilizations or medication.   If you have any of these factors the quote will not be accurate.

Tunis advises for all clients to ask for a pre-screen from a broker who represents all the major carriers.
“A Pre-Screen” is a likely outcome for a client based upon an underwriter looking at a potential customer.  The pre-screen will determine if a client will be considered standard, denied, rated up or have certain things excluded.

It is important before any policy is submitted to have a pre-screen done so you know exactly how much to budget for a Florida medical plan.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Tuesday, August 3rd, 2010 Blog Posts 1 Comment

Expect Longer Underwriting Times for Florida Health Insurance

A few years back Florida Health Carriers were bragging about how quickly health applications were being underwritten. For example is was quite common for an application written on Monday to be approved by Wednesday.

However due to Health Reform this is changing.   Due to healthcare reform carriers are not allowed to rescind any policies in except for cases of fraud.

What does that mean for you?  It means if you need Florida health insurance an application should be started at least 6 weeks before the effective date.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Monday, August 2nd, 2010 Blog Posts Comments Off on Expect Longer Underwriting Times for Florida Health Insurance