Blog Posts
Why You Should Avoid Instant Health Insurance Quotes
If you have ever looked for Florida Health Insurance the results can be daunting. With an average of around 6-7 carriers and 100 plans many are left to throw up there hands or just submit there info for instant quotes. The problem with these quotes include:
- Quotes are only quoted for “Preferred Basis”. Thus if you take any medication you most likely will not get this rate.
- If you don’t have insurance you will pay more. Quotes are only shown that include you currently having insurance if you don’t well expect to pay more.
Evan Tunis, owner of Florida Healthcare Insurance, advises all of his clients to ignore instant quotes and give him a call. According to Tunis, “I will never email a quote without first speaking to any potential clients. Its a waste of both of our time.”
Tunis recommends anyone looking for Florida Health Insurance to look for a broker that works with every carrier in the state and knows the underwriting of these particular carriers inside and out.
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.
What’s the lowest Priced Health Insurance in Florida?
A common question amongst potential clients are what is the lowest cost Florida Health Insurance in my area. The answers vary;
That being said we have come up with charts of all of the various carriers in the Miami, West Palm Beach, Fort Myers, Orlando, and Jacksonville area and will be more then happy to share our answers with you.
If you are in need of new Florida Health Insurance or would like a quote please give us a call at 800.946.3157.
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/.
Health Insurance Innovations-Beware
As the mess of Health Care Reform is upon us a new carrier has risen up to take the reins as best new piece of shit plan sold to the public; Health Insurance Innovations.
Like AIM, United American, Health Option One, and Assurant’s Health Access, HII is a limited benefit plan that offers limited coverage at half the price of major medical carriers.
If someone is trying to persuade yourself to purchase one of these plans do yourself a favor and say NO. Thank me later.
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/.
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