Archive for February, 2014

What to Look for in a Health Insurance Broker?

What to look for in an insurance broker?

1.  Are they licensed with all carriers or just represent one carrier?  If they just represent one carrier then you will not get a full gauge of what’s available.

2.  Are they licensed in my state?  Many “navigators” are recommending plans to individuals with no knowledge of insurance but a 40 hour class.  Do you want to risk your medical history to them?

3.  What carrier does my insurance broker have?  Brokers should not be afraid to share this information and if they hem and haw move on.

4.  Is the coverage they offering even insurance?  Again look closely ask questions.  If you feel uncomfortable look into detail at what the insurance carrier they are recommending.  If it looks like crap it probably is crap.

For any questions on what to look for in an health insurance broker please contact Evan Tunis at 561.637.8162

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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Wednesday, February 19th, 2014 Blog Posts Comments Off on What to Look for in a Health Insurance Broker?

What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?

A)  The penalties for not signing up for an ACA compliant plan or having an existing policy prior to January 1st 2014 is $95 or 1% of your income whichever is greater.

What are the alternatives if you didn’t want a plan like this?

If you wanted to save money you could always go with a short term medical plan.  These are offered through Golden Rule, Assurant and Health Insurance Innovations.   These are NOT major medical plans and are not meant to cover pre-existing conditions.  They are however quite affordable and offer some protection.   In addition we can always add a critical illness and accident policy to strengthen the benefits.

If you have any questions do not hesitate to call me at 561.637.8162.

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.

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Tuesday, February 18th, 2014 Blog Posts Comments Off on What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?

Will Young People Actually Sign up for the ACA(Obamacare)?

Since the ACA was announced in 2008 one of the great questions that kept popping up was would enough young people sign up?  The ACA needs young “healthy” people to sign up to offset some of the costs of older more medically needy folks.   Otherwise if they do not sign up rates will increasingly skyrocket.   An analogy is that lets look at car insurance and tell a carrier they must take every person who has  had five accidents in a year and that same driver with a perfect record and a new car well he has to pay the same..

What has the data told us about young people signing up?  According to Evan Tunis, Owner of Florida Healthcare Insurance , young people who don’t qualify for subsidies are staying away in droves.  “When I encounter a younger person under 30 they are eager to get a policy however when I advise them on the premium they say thanks but no thanks.  It is only those who are getting substantial subsidies that are signing up.   More so young people are getting less of a subsidy then older folks with the same income.”

If this trend continues carriers will be forced to reconsider if they want to be apart of the Federal Exchange or not.  Carriers such as United Healthcare and Aetna in most states currently have already said we’ll maybe see about 2015 or 2016.

If there are any questions please call Evan Tunis of Florida Healthcare Insurance at 561-637-8162.

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.

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Tuesday, February 11th, 2014 Blog Posts Comments Off on Will Young People Actually Sign up for the ACA(Obamacare)?

Can I keep my son or daughter on my health insurance plan?

Short Answer Yes.

In most instances carriers will let you keep your son or daughter on your  medical insurance policy until the age of 26.    This includes if they are a student or not.  The exceptions include getting married or if they are offered group insurance at their place of work.

If there are any questions please call Evan Tunis of Florida Healthcare Insurance at 561-637-8162.

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

Monday, February 10th, 2014 Blog Posts Comments Off on Can I keep my son or daughter on my health insurance plan?

Admin said to be eyeing health insurance extension, What?

The Obama administration is considering an extension of the president’s decision to let people keep their individual insurance policies even if they are not compliant with the health care overhaul, according to two top industry officials.  What exactly does this mean?

This means if you currently have a plan written before January 1st 2014 you may be able to keep it for another few years.  Do i like this news, yes.  I have hundreds of clients that dont’ need maternity and mental healthy benefits that like their old policies.

Despite the  administration claims many “old” plans were comprehensive and many clients were happy.   For any questions please give me a call at 561-637-8162.

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.  #Obamacare #ACA #Floridahealthinsurance

Friday, February 7th, 2014 Blog Posts Comments Off on Admin said to be eyeing health insurance extension, What?

Do I Need to have a job to get a subsidy for the ACA(Obamcare)?

Do  I Need to have a job to get subsidy on the ACA (Obamcare)?

A) It depends but in most cases the answer is yes.  Subsidies are determined by a myriad of factors but most importantly how much you make.  If you are a single person and make under 11,500 you will be not be eligible for a subsidy but rather must go into your state’s Medicaid plan.  Don’t want a Medicaid plan that’s fine but your not entitled to a subsidy.

According to Evan Tunis, Owner of Florida Healthcare Insurance, income is a huge stumbling block for those looking for assistance.  For some individual who make under 11,500 the realization that the only help is Medicaid is devastating.  Many even though there incomes say they qualify for Medicaid are unable to.  Tunis advises his clients with questions on this to give him a call before attempting anything on the marketplace.

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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Tuesday, February 4th, 2014 Blog Posts Comments Off on Do I Need to have a job to get a subsidy for the ACA(Obamcare)?