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Every health insurance policy has exclusions

Every health insurance policy has exclusions, and it’s a good idea to know what those happen to be. Also, know what your options are.

You finally decided to buy Florida health insurance and now have to make some decisions. Most of all, you need something that suits you and will cover all the various health contingencies that you feel are foreseeable. That’s a great place to start from, but what if you find out that the carrier you want to go with will exclude something you feel you will need coverage for later?

For example, what if you had knee surgery a couple of years ago and the carrier says they will not cover you for that because it’s too much of a risk for them to assume? What are your options now? In Florida, there is no such thing as a “risk pool,” so your options boil down to two choices. The first choice would be to go with the carrier you chose and hope nothing happens to your knee.

The second choice is to shop around for a carrier who will cover your knee. Shopping around will definitely find you an viable option, but trying to shop around on your own without knowing the carriers and what they will and won’t cover is a nightmare. This is the major reason why you will want to discuss your situation with a licensed expert Florida health insurance broker. One phone call is all it takes to find out who will take you, knee and all.

The benefits of talking directly to the insurance agent are that you know without a doubt where you stand, what will work for your circumstances, what is included in the policy you ultimately buy and how much to budget. The insurance agent is your connection to the insurance carriers, and he knows what each one offers and how that would fit with your situation. Talking directly to the agent will save you time trying to figure out which policy would do what. Besides, much of the material on a website may not even be applicable to your circumstances.

Be prepared to pay a bit extra when you go with the company that will assume the risk of you possibly having problems with your knee in the future. However, the extra price you pay is well worth the peace of mind in knowing that you are completely covered for the things that are important to you

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Wednesday, September 15th, 2010 Articles Comments Off on Every health insurance policy has exclusions

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

Florida Individual Health Insurance a Smart Move

No matter how healthy you are now, there will be a point when you need to use a hospital. Having health insurance is a smart move.

There are a good number of people in the US who think that they don’t need health insurance, that it’s a waste of time and money and they have better things to do. You may indeed have better things to do, but trying to do them with that broken leg or arm that happened unexpectedly in a car crash is going to be difficult.

How will you pay your medical bill – the enormous medical bill – that arrives for the hospital services? No one has that kind of money in the bank and wiping out your savings isn’t a good idea either. And so you may be left with declaring medical bankruptcy; all because you did not have some form of individual Florida health insurance. Sure, people think health insurance is expensive, but it’s “more” expensive if you “don’t” have it.

The only thing you need to remember is that even though you may be on a budget and need specific things, there is always a policy that exists out there that will suit you. All you have to do is ask your local health insurance broker for help. After all, they know their product and can find something to suit precisely what you need. Notice I didn’t say “want.” That is because you “need” specific types of coverage to be protected versus the fact that you may “want” a Cadillac plan for a low cost. Cadillac health insurance plan and low cost payments are words that rarely happen in the same sentence.

Basically, you need to do some homework, surf the Internet, ask friends what they have and talk to an expert Florida health insurance agent. Having some insurance rather than none may save you from bankruptcy court at some point. If you think that’s a little off the wall, consider the price to fix a broken leg: $30,000. Do you have $30,000? Chances are the answer to that is “No,” and neither do a lot of other people. Don’t take risks with your health when, for a small monthly premium, you could have health insurance coverage.

Let’s take a look at some things you can do to get what you need in an individual health insurance policy; the right one for you. Take a close look at the various health insurance policies and their varying monthly payments. This isn’t to say you should buy according to price alone, or you may not get what you thought you got. Always talk to a qualified health insurance agent. Their advice is free, they’re not trying to sell you a bum deal and they can help you save money. Really, what other services these days helps you save money?

When you’re looking at various policies, keep in mind you need to check the co-insurance, meaning the percentage of the bill “you” have to fork out cash for versus what the insurance company will pay. In most cases, the insurance company pays the bigger portion of the bill, which may seem great, but it usually means higher premiums. So if you up your payments, the premiums will come down.

If you have questions, then don’t hesitate to contact an experienced Florida health insurance agent who only has your best interests in mind.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Saturday, July 24th, 2010 Articles Comments Off on Florida Individual Health Insurance a Smart Move

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.

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Thursday, June 24th, 2010 Articles Comments Off on You Don’t Save Money by Not Having Health Insurance

Break Out the HSAs as a Viable Health Insurance Option

People tend to avoid HSAs because they aren’t familiar with how they work. They’re well worth considering because they save money.

Health savings accounts, otherwise referred to as HSAs, are very well advertised, but for some reason people tend to avoid them. There isn’t a really clear reason for that because on closer examination HSAs have the distinct advantage of saving you money, and who doesn’t want to do that these days?

The one thing you need to remember is that the HSA may only be used in combination with a high deductible health plan (HDHP). The two health care companions function as a tag team, to distribute health insurance and operate as a payment plan. When used together, you get some nice price breaks and the actual benefits extend beyond what your typical Florida health insurance plan may offer.

Setting up an HSA is actually really easy. All you have to do is go to the bank or another financial institution. Remember, you also need to get signed up for an HSA qualified HDHP that will have a minimum deductible of anywhere from $1,200 to $2,400, depending on whether it’s individual insurance or a family plan. So, along those same lines, if the plan is just for you, you may put in the maximum of $3,050 or $6,150 for a family. For those over the age of 55, they may toss in an extra $1,000 every year as a catch-up contribution.

You know what the best thing is about an HSA? You’ll love this if you happen to be younger and in fairly good health, or, older and in good health. If you have a good year and don’t have that many medical expenses, you get to keep what’s in the account for future use. Not a bad deal hey? In fact, you can keep adding money every year, so long as you don’t go over the contribution limit. Note: the yearly contributions have a set limit, but the total savings in the account can be as much as you let it grow. That’s pretty appealing; along with the fact you get to control how you spend the money.

Did you know that HSA money is tax deductible? And, not only that, but it grows “tax free” for as long as you use it to pay for “medical expenses.” That brings up a question I hear quite a lot and that involves what people can use their HSA account money for in the first place. The answer to that is you may use it for alternative treatments (acupuncture), some over the counter medicines and even most dental procedures. Hint: not all insurance companies count these payments as part of your deductible, so you might want to check that out first.

The good news is that the list of HSA qualified expenses is nice and long, which is a great benefit to you, because it means you don’t need to separate coverage for things like prescription drugs, dental or vision care. This saves you money as well. The bottom line is an HSA is worth trying.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Monday, June 14th, 2010 Articles Comments Off on Break Out the HSAs as a Viable Health Insurance Option

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.

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Monday, May 24th, 2010 Articles Comments Off on Individual Health Insurance for Your Needs

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.

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Friday, May 14th, 2010 Articles Comments Off on Know Your Life Insurance Needs

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.

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Sunday, May 9th, 2010 Articles Comments Off on Cheap Florida Health Insurance Is Possible

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.

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Saturday, May 1st, 2010 Articles Comments Off on Under-Insured or Over-Insured, Not Good Choices

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 insuranceFlorida health insurance quotesFlorida life insurance,Florida life insurance quotesFlorida group health insurance visit Floridahealthcareinsurance.com.

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Sunday, April 4th, 2010 Articles Comments Off on Know What You Need before You Buy It