Archive for January, 2014

Who are the major carriers in Florida on the Healthcare Exchange?

You Florida you must remember that certain carriers are participating in the Federal Exchange(Florida Blue, Cigna,  Humana, Aetna) etc  while others such as Assurant and Golden Rule are strictly off the exchange.

According to Evan Tunis, owner of Florida Healthcare Insurance, this creates a lot of confusion for clients.  “Many clients will ask me for a Golden Rule plan with a subsidy thinking that  they are on the exchange.  The rollout of the ACA has created a lot of confusion where consumers think that is the only place to find plans.”

In addition to further confuse clients plans on the exchange from Humana for example are strictly HMO’s where off the exchange you can get a Point of Service plan.

Tunis advises every  client to speak with a licensed professional who represents every carrier thus they are unbiased.  To speak with a navigator who isn’t licensed and has no idea what they are recommending is a mistake.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.  #Obamacare #ACA #Floridahealthinsurance

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Thursday, January 30th, 2014 Blog Posts Comments Off on Who are the major carriers in Florida on the Healthcare Exchange?

What is the penalty for not having Health Insurance in 2014?

Just a reminder everyone the penalty for individuals who do not wish to purchase Florida health insurance in 2014 is $95 or 1% of your income whichever is GREATER.

People tend to forget the whichever is greater option so I’m just reminding you.

What if you don’t want to pay the penalty and want insurance?  Great, now speak with a licensed representative who can guide you in choosing the proper plan.  Pay attention to your deductible, co-insurance, network etc.  Ask questions!!! Don’t Be Shy! I look forward to hearing from you unless you choose the penalty which in that case dont’ get sick.  #ACA #Obamacare #Floridahealthinsurance

Evan Tunis is with FloridaHealthcareInsurance.com, one of the leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visithttp://www.floridahealthcareinsurance.com/ or call 561.637.8162

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Tuesday, January 28th, 2014 Blog Posts Comments Off on What is the penalty for not having Health Insurance in 2014?

Are My Kids Allowed to by on My Subsidized Obamacare Plan?

The ACA(Affordable Care Act) is many things.  Saviour to somce an abomination to others.  What is isn’t is a place to find health insurance for your kids.

Evan Tunis, Owner of Florida Healthcare Insurance explains, if a family applies for a subsidy with kids under 18 the kids are automatically routed to a states CHIP or here in Florida Healthy Kids.   Kids are not eligible for reduced cost sharing as well.  For parents this creates a tough dilemma as the family is split up into different insurance carriers.

Tunis explains if you are going to get an ACA with a subsidy please be aware that kids will not be on the plan.

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

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Monday, January 27th, 2014 Blog Posts Comments Off on Are My Kids Allowed to by on My Subsidized Obamacare Plan?

Does my ACA Insurance Plan(Obamacare) use a different network?

For many shopping on healthcare.gov can be quite an ordeal.  There is the identity verification, projected verification, etc that all must be answered before a subsidy is even shown.

More importantly if you want to get a plan on the exchange the network might be different then if you  were to shop privately.  For example on the exchange Humana is offering an HMO with a network that uses only three hospital in Miami & Broward County.  However if you go off the exchange you can get a Humana POS with a much broader network.

Before considering a plan make sure you look at the network and confirm at minimum that your hosptials are in-network.

For any questions on Obamacare plans in Florida contact Evan Tunis at 561.637.8162.

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Friday, January 24th, 2014 Blog Posts Comments Off on Does my ACA Insurance Plan(Obamacare) use a different network?

When is the Deadline for ACA Obamacare Plans?

Hello Everyone,

Just a reminder that the deadline for all ACA(Obamacare) plans is May 1st.  After this date you will no longer be eligible for a subsidy unless you have a life altering event such as a marriage or baby.

For any questions or guidance on a plan on or off the exchange please call me at 561.637.8162.

Evan Tunis

www.floridahealthcareinsurance.com

Licensed Insurance Broker

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Thursday, January 23rd, 2014 Blog Posts Comments Off on When is the Deadline for ACA Obamacare Plans?