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You Don’t Save Money by Not Having Health Insurance
There is a myth that says if you don’t have Florida health insurance, you are saving money. That is not accurate.
There are a whole lot of myths floating around out there and online in cyberspace about how cheaply you can live if you aren’t paying for health insurance. Furthermore, people think that if they don’t pay premiums for health insurance that they are saving money. This is not the case. All it takes is one single accident such as breaking your leg, and you are in a world of hurt physically and financially.
Did you know that the price of fixing a broken leg may run to $60,000? Who has that kind of money on hand to pay their medical bills? The answer to that is not many people have that kind of money, and if they did and paid the bill, they would then be broke or bankrupt. Have you taken a close look at how many medical bankruptcies there are these days? Frightening, isn’t it?
Thanks to the recent changes to health care, Florida health insurance is one of the most “in demand” products on the market. And why not; everyone will be mandated to have it in the future, so they may as well start searching for the right health insurance now. It honestly makes more sense to have health insurance that covers you for those medical emergencies in life and other things you need (meds for your kids) rather than take a chance without coverage.
Now is the perfect time to start looking around for the right plan that works for you alone, or for you and your family. You will need to compare quotes from various places, but that doesn’t take too long. Ask questions and then ask more questions, because you can never have too much information when it comes to protecting your health and welfare. If you want to save money, “this” is where you will save it – when looking for deals for Florida health insurance.
Go for the gold when you hunt down health insurance policies and get quotes from about 5 companies. From there, find out what they offer in terms of coverage and what suits your needs. Remember, your “needs” are far more important than your
“wants,” as wants tend to come with a higher price tag premium wise. Chances are the things you “want versus need” are also things you can do without – for now. That doesn’t mean you can’t change your mind and your coverage later.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.
Individual Health Insurance for Your Needs
When it comes to Florida health insurance, you need a policy that suits your needs. It doesn’t matter what the neighbor happens to have.
If you don’t qualify to get group insurance through your employer, you might want to consider checking into getting Florida health insurance specifically for yourself (and/or family if you have one). While it might seem like it’s an uphill battle trying to find something that covers you adequately for a reasonable price; it can be done. In fact, it’s done just about every day by people looking for health insurance because they know that some day they will need to see a doctor.
Keep in mind that you would be the “administrator” of your own policy and be responsible for paying the premiums, updating it when needed and making sure it covers what you need. Notice we didn’t say covers what you want. There is a difference between buying a Florida health insurance policy you want (because it’s cheaper) and buying one you actually need (because it’s more expensive).
Here’s what the problem is if you choose to buy what you want for less money. Yes, you will be paying out less in premiums – but – and this is a “big” but, if that policy does not cover what you need to see a doctor for, then just how much money have you saved? The answer is not much, because if the policy doesn’t cover you, you’re paying out-of-pocket for medical care.
So, taking a look at that situation, if you have to pay out more because you went with a cheap policy that doesn’t cover you, you would have actually been better off to pay more and have the coverage in place when you needed it. There is nothing more irritating than going to a doctor or hospital and then discovering that the insurance policy you bought won’t pay for your expenses.
This is not a fun situation to be in. This is also one of the main reasons why when you are searching for reasonable Florida health insurance that you speak to an experienced insurance agent. They will know right away what would work for you and guess what? If you shop around, you will find good rates – and that’s a fact.
If you want a good health insurance policy, one that “will” cover you when you need coverage, then take the time to talk to your local insurance broker. That’s what he’s there for – to help you find what you need.
When it comes to Florida health insurance, you need a policy that suits your needs. It doesn’t matter what the neighbor happens to have.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.
Know Your Life Insurance Needs
While we may all know that life insurance is important, we often don’t really know what we need.
Life insurance to some is daunting, confusing, complex and expensive. Many wonder if it’s really even necessary. Well yes, it is necessary if you want to protect your family if you pass on suddenly. And yes, it can be confusing and complex, but it doesn’t need to be, not if you talk to an experienced and licensed insurance broker who knows their products and can provide you with Florida life insurance quotes.
If you even have a general knowledge of what you would like to accomplish by buying life insurance, this is a good place to start. No one is suggesting that you need to know “everything” there is to know about life insurance. It took an experienced agent many years to become familiar with their products and the benefits for their clients. They certainly don’t expect you to become instantly familiar with all the choices you have at your fingertips. That’s their job, and it’s best to leave it to them.
This isn’t to say that you can’t work together in a sort of partnership, because that is often the best method to choose the kind of life insurance that will achieve your goals. Sit down with a skilled agent and outline what you have in mind. Discuss the various options. Ask questions and then ask even more questions. Life insurance is an important decision and you want to know you’ve made the best choice for your lifestyle and family. Often knowing what you want will come after you get Florida life insurance quotes from your insurance agent.
Don’t know who to choose as a beneficiary? Don’t know much about benefit levels? You’re not alone; this is a common problem, and one that can be discussed with your agent. You may choose from a wide range of products, each with that little something extra that might be just what you were looking for in a life insurance policy.
Some tips that might come in handy for you are things like buying your life insurance when you think you need it. The younger you are, the cheaper the premiums. But, don’t let that stop you from buying insurance if you are older. There is something out there for everyone. Yes, the premiums may be a bit higher, but you will still be able to get the kind of coverage that will suit you.
When you do decide what you want to buy, make sure you get enough coverage. In other words, you want a policy that will take care of any and “all” expenses your family may have. That would include things like debt payments, mortgages, etc. While you may not be able to get what you “need” right away due to budget constraints, then buy what you can afford and upgrade later. Where there’s a will, there’s a way. This is where shopping around for Florida life insurance quotes comes in handy.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.
Cheap Florida Health Insurance Is Possible
Finding cheap health insurance is a must these days. While many don’t think that’s possible, it is.
Sure, people want and need to save money wherever they can during these tough economic times. If they choose to “not” buy Florida health insurance because they can’t afford it, while that is their choice, it’s not a wise financial choice. The reason for that is because everyone needs a doctor at some time in their life and if the person without health insurance needs medical care, it will cost them more “then” than it would have cost them to pay monthly low health insurance premiums.
Think about that for a minute. A broken leg can run up to $60,000 or higher. If you went to the hospital without health insurance and were billed for that, how would you pay it? If you had Florida health insurance, while you might still find it hard to pay the bill, you would not be paying the full amount of the bill. Doesn’t it make sense to have health insurance for a low monthly premium to avoid being in that situation?
Not having health insurance and needing medical care could also potentially wipe out all your savings. Is that something you really want to happen? Most people would say no and those who don’t have much in savings understandably want to horde what they have. If a medical crisis ruins their plans, they have nothing left. This is, in fact, one of the reasons for so many medical bankruptcies in the US today.
There are so many different health care plans on the market today, that there is one for every person and family, even if they aren’t earning a lot of money. All you need to do is ask a skilled health insurance agent what plans would suit your circumstances and then work as a team to find the right coverage for you and your family. While you’re at it, also ask exactly what is covered and what is not.
You need to ask what is covered and what isn’t because if later on you need to use your health insurance, you don’t want to find out when you are about to pay the bill that “none” of it is covered by insurance. This has happened, so take the time to get to know what is in your particular policy. If you just want the basics, discuss that with the insurance agent. If you want a few bells and whistles, then ask about that as well.
Shopping for health insurance these days is a bit like ordering off an a la carte menu; you can have just about anything you want that suits your fancy – and in the case of health insurance – suits your budget. Get more than one quote, talk to more than one insurance agent, and ask your friends what they have or don’t have. This is all valuable information to get before you decide what may work for your needs.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.
Under-Insured or Over-Insured, Not Good Choices
When it comes to life insurance, being under-insured or over-insured isn’t a smart plan. Ask a skilled broker to help you choose wisely.
When about to choose life insurance, most people get stuck when it comes to how much coverage they need versus what they want. Those two things may be entirely different. This is one of the reasons you’d want to talk to an expert life insurance agent who could tell you what you needed to know by discussing your goals and lifestyle with you.
Being under-insured isn’t a wise idea and being over-insured won’t do you any good either. The whole key to a perfect balance in buying life insurance is having “enough” coverage to save you money in the end. Of course the question is then, “How much is enough?” When figuring that out, use a balanced blend of coverage and premium factors that both carry equivalent weight.
Granted there are usually some assertions that insurance agents will give you, like the suggestion that you consider buying ten times your annual salary. It’s not a bad idea, but it really doesn’t get you out of buying life insurance at regular intervals, nor does it prevent over or under insuring yourself. What would save you money in the short term would be to only buy what you need at any given time. That however has the effect of raising your aggregate premiums and lowering your returns. This is particular true if you are looking at cash value plans.
Here is a good tip when you assess your insurance needs: use your living expenses and not your income. That will be what your beneficiaries will need to live on. Your family may not need 100% of the household income to get on with their lives. So when you do an income calculation, use a percentage of your income to get a reasonable coverage figure.
And what do you buy then? Despite your calculations or wishes, you may find yourself buying insurance you can afford, which isn’t the same thing as what you may need. This is something you need to discuss with your life insurance agent, who has access to a wide variety of life insurance products that may just suit your requirements perfectly. You don’t want to compromise your overall financial plan by buying too much when you can least afford it.
Keep in mind that the amount of coverage you need will likely change over time and the “right” amount of coverage is what is right for “you” when you need it. The general rule of thumb is that you should anticipate, as best you can, your future needs (e.g., mortgage, new baby) without overdoing it. When in doubt, consult with a life insurance expert.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.
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 insurance, Florida health insurance quotes, Florida life insurance,Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.
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 insurance, Florida health insurance quotes, Florida life insurance,Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.
How Health Insurance Reform will Affect Florida Residents
Since yesterday night we have been receiving calls on just how the new health reform will effect Florida Residents. Here are a few questions and answers.
Will the new law cover pre-existing conditions? The good news is yes it will. However if you are looking for a plan today, keep waiting we are looking at the year 2013 at a minimum for a major medical to cover pre-existing conditions.
Will there be lifetime limits on my new policy? The short answer is NO. All policies will have no lifetime limit.
If you have any questions regarding the reform or would like a quote on a new policy please call us at 800.946.3157.
To Your Health,
Evan Tunis
800.946.3157/561.201.8387
evan@floridahealthcareinsurance
You Can Save Money by Shopping for New Florida Health Insurance
Have you seen the commercials for auto insurance where the couple is reluctant to shop for new insurance for fear it will take all day? If you had seen the commercial you would know the couple gets multiple quotes within seconds and saves money on there auto insurance.
This is precisely what we do at Florida Healthcare Insurance. We shop all of the top A Rated carriers in Florida and match up an excellent plan that will save our clients money.
Just give us a call at 800.946.3157 and we’ll demonstrate how easy shopping for florida medical insurance can be.
Evan Tunis
Go with HMO or Not?
Should you go with an HMO or not when you are searching for a health insurance plan? Perhaps managed care will work for you.
For those that don’t know what an HMO is, it stands for health maintenance organization, a type of managed care organization. An HMO sets out guidelines for their affiliated physicians to work with in terms of care to provide and price structures. Is that a good thing for you? In some respects, it may very well be, but it’s a decision you will need to make, based on your personal preferences.
Generally speaking HMOs have lower monthly fees when compared to other alternatives. In addition, the fees are deducted from a paycheck. Keep in mind that this requires a co-pay or the amount paid during a treatment that is deductible from the overall cost of the medical bill. This isn’t to say the rates are the same for every doctor in an HMO, as this is not the case. Each doctor’s office bills out according to their office hourly rate, what tests they may conduct, or treatments they handle for you at the office; e.g., giving needles, taking blood pressure, examining ears, etc.
Here is the most crucial question you will want to ask though and that is how can an HMO offer less expensive health care? The first way this is possible is because they do business on a volume basis, as in they have millions of people as subscribers. They also deal directly with health insurance companies and thus get a better deal, based on volume.
The second reason HMOs are able to offer better rates is because one of their main focuses deals with preventive health care and to that end they work to inform their clients of ways to better enhance their health. This tends to involve, among other things, proactive communication with patients by using handbooks and health guides.
There are some other points you will need to know about HMOs prior to deciding if they are for you. For instance, you will need to pick a primary care physician because that is compulsory if you opt to be in an HMO. Primary care doctors may be GPs, pediatricians, internists or family doctors, and they are more or less the first person you seek medical care from; call them the gatekeeper of medical services or the first port of call.
The idea here is that this doctor figures out what treatment the patient needs or doesn’t need, and will step up to bat to handle all other health care issues, unless there is a need to send the patient to a specialist. You can’t go directly to a specialist without a referral from your primary care doctor. If you opt to choose something called an open access HMO, then you would be able to go to whomever you choose for doctoring. The costs of an open access HMO is higher when it comes to expenses such as co-payments and co-insurance.
Some cons of choosing an HMO involve the quality of the service provided; the lack of tests offered even though they are called for by the doctor; HMOs that refuse to pay for treatments even if the doctor does recommend them; and how little time the doctor has to spend with patients when they go for an appointment.
What you choose will be what you think works for you. Check out both sides of the debate when it comes to choosing an HMO or not. An informed decision is better than one made without any information.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance,Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.