Blog Posts
Don’t Be Stupid, Make Sure You go with an A Rated Carrier
Browsing around today’s paper I came upon an article detailing how the FTC was trying to shut down CHBA(Consumer Health Benefits Association) for selling phone Florida Health Insurance or worse discount plans. This coming only weeks after the banning the sales of AIM Health Plans.
Just who exactly are buying these plans? The same people who go to McDonald’s each day and then wonder why they are putting on a few pounds.
Listen if your financial future is dependent on any of these carriers; Team Corp, New Era, Assurant Health Access, Health Option One, Mega Life, Midwest National, United American etc run for the hills. These plans are glorified discount plans and will put you in poor house or bankrupt. Please make sure you speak with a licensed broker who only deals with A Rated Carriers through AM Best.
To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.
5 Conditions that raise Florida Life Insurance Rates Most
When it comes to Florida Life Insurance your health is the main factor in your premium. Fact, the healthier and more active you are the cheaper your rates will be.
Here are the Five Things that will will raise the price for your Florida Life Insurance
1. Heart Disease
2. Diabetes
3. Cancer
4. Obesity
5. Pulmonary Disease
For more information of Florida Life Insurance please contact Evan Tunis at 800.946.3157
Want an Honest Quote on Health Insurance Ask for a Pre-Screen
When shopping for Florida Health Insurance it is easy to find several quotes from various carriers within minutes. However a question you should ask yourself is are the quotes accurate?
According to Evan Tunis of Florida Healthcare Insurance, “In most cases quotes online are only quoting individuals with optimal height/weight and who have no hospitilizations or medication. If you have any of these factors the quote will not be accurate.
Tunis advises for all clients to ask for a pre-screen from a broker who represents all the major carriers.
“A Pre-Screen” is a likely outcome for a client based upon an underwriter looking at a potential customer. The pre-screen will determine if a client will be considered standard, denied, rated up or have certain things excluded.
It is important before any policy is submitted to have a pre-screen done so you know exactly how much to budget for a Florida medical plan.
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/.
Expect Longer Underwriting Times for Florida Health Insurance
A few years back Florida Health Carriers were bragging about how quickly health applications were being underwritten. For example is was quite common for an application written on Monday to be approved by Wednesday.
However due to Health Reform this is changing. Due to healthcare reform carriers are not allowed to rescind any policies in except for cases of fraud.
What does that mean for you? It means if you need Florida health insurance an application should be started at least 6 weeks before the effective date.
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/.
Quick Ways to Save on Florida Health Insurance
- Have Previous Insurance: Many carriers charge quite a bit less if you have previous florida health insurance. For example if you are considering a United Health One policy you will save 7% if you have previous health insurance. This can include a short term medical plan or even a discount plan.
- Switch from Brand Name to Generic Medication: If you are applying for new medical insurance and take brand name medication you will pay signifigantly more then if you take generic medication. Several carriers will not rate you up if you take generic medication however all will raise your rates if you take expensive brand name medications.
- Go with a Higher Deductible: Rates drop dramatically when you move from a $1,000 deductible to a $2,500 or even $5,000 deductible. In addition with the savings you can apply for an accident insurance or critical illness policy that will pay all of your deductible.
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/.
After You Say “I Do” Make Sure You Insure
One of the best moments in persons life is the day of their wedding. Surrounded by family and friends it is a decleration of two people declaring their love and devotion to each other.
Yet it is suprising how many newlyweds often fail to properly insure themselves and their spouses when they do get married. According to Evan Tunis of Florida Healthcare Insurance,
“When individuals get married they suddenly share everything from a home to bills. Yet what would happen if something tragic were to happen to one person? It could be financially devasting to the relationship or the person left behind in case of death.
Tunis recommends at getting Florida health insurance as well as a term life policy to protect each spouse. Both of these things are quite affordable and easily accessible.
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/.
Say Goodbye To Child Only Policies in Florida
On July 12th, Blue Cross & Blue Shield of Florida will discontinue all new sales of Child Only policies. Blue Cross joins United Healthcare(Golden Rule), Assurant Healthcare and most other large carriers who have already made these changes.
Currently only Humana stands as the last company to offer these policies. If you have a child who needs an insurance policy please give us a call at 800.946.3157 or visit our website at www.floridahealthcareinsurance.com
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/.
Worried that a Critical Illness may put you in the Poor House?
If I had a life insurance product that covered you for a critical illness for up to $250,000, would you be interested?
If you have a critical illness such as a heart attack, stroke, renal failure, a major organ transplant, a terminal illness or a total disability, would you want a check to help you pay your expenses?
You probably answered a resounding Yes to both those questions. Who wouldn’t want cash to help them pay their medical expenses if you have been diagnosed with a critical illness? Finally, there is a term life insurance policy that pays living benefits to you for your critical illness.
How much does this policy pay in the event of critical illness?
- Cancer (Life Threatening) 100%
- Heart Attack 100%
- Stroke 100%
- Renal Failure 100%
- Terminal Illness 100%
- Major Heart Surgey 25%
These benefits come from all or part of your term life insurance coverage amount and provide you funds for the covered conditions diagnosed at least 30 to 60 days “after†your term life insurance effective policy date. Its simple. Its effective. It helps you pay your bills. What other life insurance policy does that?
Living benefits go directly to you “ the policy holder “ and you choose how to spend the benefit. Most people use the extra cash for daily living expenses, lost income, cost of caregivers or home health care, etc.
Living benefits is an option you can’t live without in this day and age when people are living longer lives. Who wouldn’t want protection when they need it the most?
I now offer the latest in term life protection LifeStyle Protector “ to protect YOU! Give me a call and and I’d be pleased to walk you through all the benefits.
To Your Health,
Evan Tunis
Florida Healthcare Insurance
561.637.8162/800.946.3157
Evan@FloridaHealthcareInsurance.com
Avoid the Needles; Get Florida Life Insurance without Invasive Tests
As many of you already know giving blood is not a pleasant experience. However to get any sort of Florida Term Life Insurance this is a prerequisite. However like Bob Dylan said, “Time They Are a Changing.”
Several A Rated Insurance Carriers have begun offering simplified issue term products with no urine or blood samples needed. These plans are available in 10-, 15-, 20- and 30-year terms with coverage up to $350,000.
To request a quote on one of these plans simply call Evan Tunis of Florida Healthcare Insurance at 800.946.3157.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida life insurance quotes. To learn more about Florida health or life insurance, visit http://www.floridahealthcareinsurance.com/.
When People Depend on You Financially Life Insurance Is a Must
If others depend on you, it’s likely best that you have life insurance in place. You are never too young to have life insurance.
It doesn’t matter how old or how young you are, if you have people that depend on you, then it’s generally best if you have Florida life insurance in place to care for them if something happens to you. Granted, many young people don’t seem to think death is just around the corner, but the reality of life is that death can and does happen to everyone, and sometimes unexpectedly; e.g., as the result of a car accident.
Some younger people don’t think they need life insurance, and they may be right. It is a personal choice and one that each person needs to make for themselves based on their lifestyle. Ideally, the right time to buy life insurance is when someone else is financially dependent on you – and that may happen at any age these days. So don’t automatically rule out buying life insurance because you think you are “too” young.
One thing to keep in mind is this: you buy Florida life insurance because “you” need it, not because it might seem like the right thing to do at the moment because everyone else is buying it, and you certainly don’t want to be purchasing it just because someone is selling it – whether they’re a relative or not.
Still not sure what life insurance means? The simplest way to explain it is that life insurance is the insurance company betting that you will live a nice long life and you are hedging your bets, just in case. You’re transferring the risk of death (yours) to the insurance company in exchange for paying them your premiums. Is that a good deal? It depends on the circumstances and what type of life insurance you opt to buy. This is something about which you need to talk to a qualified Florida life insurance expert.
One thing to keep in mind is that ideally, you want to consider what stage of your life you’re at before you buy life insurance. For example, if you have no kids and are footloose and fancy free single, you might not need it yet. On the other hand, if you are the sole support for ill parents, you may need to rethink having it early.
The bottom line is this: think about your lifestyle and obligations to others. If you have questions, talk them over with an expert life insurance agent. They have various options and plans that will suit just about any situation.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.