Archive for January, 2017

February 1st Last Day of Open Enrollment

Just a reminder that February 1st is the last day for open enrollment for 2017.  This is the final day when you can make plan changes, apply for a subsidy and get medical insurance without a SEP(special election period).

If you are interested in a quote for international medical please let us know.

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.

Friday, January 27th, 2017 Blog Posts Comments Off on February 1st Last Day of Open Enrollment

Over 65 but don’t qualify for Medicare.. We have the solution

For many approaching 65 the day is truly big.  No its not because your now rounding up to the 70’s but rather you qualify for Medicare and don’t have to deal with Obamacare, the ACA etc.  But for those who don’t qualify for Medicare based on not enough working hours finding insurance can be daunting.

Individual medical may be limited, short term will issue a decline and indemnity plans are a waste of money.

The solution:  If you are an Ex-Pat or travel outside the United States: get an International Health Policy.

Evan Tunis, owner of Florida Healthcare Insurance explains, “International policies have great networks and the policies do not discriminate based on age.  The policies are individually tailored so its a true cafeteria plan.”

While the plans are quite good it is important to remember that in order to buy one you must be an ex-pat(born outside the USA) living here or travel for the majority of time outside the USA.

If you are interested in a quote for international medical please let us know.

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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Thursday, January 26th, 2017 Blog Posts Comments Off on Over 65 but don’t qualify for Medicare.. We have the solution

Let’s Talk Short Term Medical Insurance

As premiums for ACA compliant plans have begun to rise clients have been seeking alternatives.  One of the better alternatives is short term medical insurance.

What is a short term medical plan?  Evan Tunis, Owner of Florida Healthcare Insurance explains, “Short term medical is designed to provide a stop gap for those in between jobs or those or only need major medical insurance for a specific period of time.”

Short term plans can run as little as one month to as long as 12 months.  The better carriers who provide this insurance are United Healthcare and National General(Aetna).  The plans are medically underwritten, do not cover pre-existing conditions, and usually just provide a discount for services such as doctor visits and medications.

Evan Tunis, “Short term medical plans depending on your situation can make sense.  In addition with the new administration likely eliminating the individual mandate the penalty is no longer a factor.”

If you are interested in a quote for short term medical please let us know.

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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Monday, January 23rd, 2017 Blog Posts Comments Off on Let’s Talk Short Term Medical Insurance

Pricing and Health Insurance

If you’ve ever gone to a doctor, lab, or hospital and asked what a procedure or test will cost you’ll get the same answer-what insurance do you got?

This answer is troublesome for a myriad of reasons.  Your neighbor could be paying 1/10 of what your paying or 3x for the same procedure.  There is no other business in the United States that operates like this.

It is of the opinion of Florida Healthcare Insurance that healthcare should be like any other business.  Prices should be transparent and patients should know all of their options.   The medical fields that currently do this such as Lasik have seen rates cut  significantly.

The first step to solving the health reform situation in the United States isn’t in a law or reform but rather thru transparency.

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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Thursday, January 19th, 2017 Blog Posts Comments Off on Pricing and Health Insurance

PPO Health Options In Florida

If you are looking for a PPO medical plan in Florida the options are slim.  You options are either a Blue Cross Blue Options EPO or an AvMed POS.  In the past we had choices such as Golden Rule and Cigna but that is in the past.

Evan Tunis, Owner of Florida Healthcare Insurance, “The carriers who have offered large PPO networks in the past have shut down enrollment. In its place are regional carriers or short term medical plans.”

In a case of unintended consequences the plans with the best nationwide networks are short term plans with National General and United.  Both of these carriers have products that will cover you nationwide though both are limited to 1,000,000 of claims.  To understand if a product like this would help your family please consult a licensed agent.

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, January 17th, 2017 Blog Posts Comments Off on PPO Health Options In Florida