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No One Knows the Future of Tallahassee Health Insurance Says Florida Healthcare Insurance of Delray Beach

Life is unpredictable. Without health insurance, it becomes even more of a moving target when medical expenses arise.

“It goes without saying that these days, people really do need health insurance, because you just don’t know what will happen today, tomorrow, next week, next month or next year. If you don’t have the proper health insurance coverage, you will be left holding an enormous medical bill if something bad happens and you likely won’t be able to pay it,” said Evan Tunis of Florida Healthcare Insurance, Delray Beach, Florida.

While many Americans struggle with the specter of compulsory health insurance in the years to come, they worry about how they will pay for it. They have enough on their plate right now, without trying to find the extra cash to pay for health insurance premiums. Their primary goal, in many cases, is to just get food on the table and keep a roof over their heads.

“But, therein lies a real dilemma,” Tunis said. “If one of the parents gets sick and needs medical care, their budget is completely blown and they may not be able to pay the bill. If they had Tallahassee health insurance, they would have likely be able to deal with the bill without going under financially.”

The best solution to the fear of being taken ill and being unable to deal with the expenses is to get health insurance. There are a number of factors to consider before anyone does ultimately choose what they think will work for them. For instance, anyone needing health insurance really needs to be aware of what coverage they really need. That may include coverage for unexpected medical issues because of an accident or coverage for an unexpected health condition that could happen to anyone, such as diabetes.

Shop around for various providers. Ask questions. Take notes. Compare policies. “Ask more questions and you will find something that fits your budget. Certainly, cost is a major consideration these days and you need to find something that you are able to manage,” Tunis said. “Those on a budget need to discuss this with the health insurance agent, so that they know what your parameters are when they look for policies for you.”

Something else that really does need to be taken into consideration is the customer service offered by the insurance company. “It’s interesting, because most people don’t even think about this, but you should, because if you have to make a claim, have a problem or a question, you will want help when you call. If you can’t get good service up front when you’re shopping for a policy, think twice about spending your money with that company,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/orlando -insurance.html.

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Wednesday, December 15th, 2010 Press Comments Off on No One Knows the Future of Tallahassee Health Insurance Says Florida Healthcare Insurance of Delray Beach

Florida Health Care Insurance Reminds Clients That Divorce May Discontinue Coverage

People don’t give their Orlando health insurance too much thought when filing for divorce. However, arrangements will need to be made to continue coverage.

“When people get married, they usually figure they’re going to be together for a long time to come. Unfortunately, these days, the divorce rates are quite high. One casualty of the divorce that people don’t tend to think about is their Orlando health insurance,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Whether a person is covered by their spouse’s insurance policy through their job or the insurance was bought from a private company, the spouses need to make some kind of arrangements about continued health insurance coverage. “If you’re wondering what you can do in a situation like this, I have a few tips that might come in handy. One of those tips is to join COBRA, but, only if you have a pre-existing condition. This federal law lets employees keep their health insurance coverage under an employer’s plan just so long as they keep paying the premium,” Tunis said.

Of interest is also the fact that the law allows spouses and other family members to keep getting coverage for up to three years after a divorce. “Yes, the premiums for COBRA are pricey, but if you are stuck, you at least have the option open until you can find Orlando health insurance through other means. This is really useful for those with pre-existing conditions; people who may have problems getting insurance from someone else,” Tunis said.

“Another thing to try is buying your own health insurance,” Tunis said. “Ask your employer if you can get on your company health plan, if they happen to have one. Don’t be too surprised to find out they may have a specific enrollment period to add new members. No company plan? Then you may need to opt for an individual Orlando health insurance policy, which is quite a liberating move when you’re involved in a divorce situation.”

When all else fails, there is the option of requesting a spouse keep the other member on their insurance policy. In other words, it would be mandated through the provisions of the divorce. This is a wise move if there are kids involved. In the alternative, a sum of money can be requested to help pay for insurance.

“For example, if you buy individual health insurance, you could ask that your spouse pay half. Make sure you have a good divorce lawyer in situations like this,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/orlando -insurance.html.

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Tuesday, November 30th, 2010 Press Comments Off on Florida Health Care Insurance Reminds Clients That Divorce May Discontinue Coverage

Health insurance covers those unexpected medical disasters

There are so many options to choose from these days for Tampa health insurance, it often gets confusing.

“There’s really no need to be confused when it comes to deciding what type of Tampa health insurance would work for you or your family. I’m a phone call away and know the market intimately. All we need to do is talk about your life situation and what you need to be covered. I take it from there and find what works for you and for your budget,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

If people initiate their own search for health insurance, one of the first things they need to do is try and figure out what they absolutely need, and then factor in things that would be nice to have if their budget can handle it. The search starts from this point. While there are a great number of options on the market, with time and patience, anyone can find what they need. Mostly.

“I say mostly because many of the subtler things that people need to know about a health insurance policy are not always online. There just isn’t the room to do that. So typically, the preferred rates are up online, because they’re lower. If Joe American wants that rate, then they need to be in tip top shape. Generally speaking, most people have a pre-existing condition and that will change their quote. This is why you need to call an agent and ask questions,” Tunis said.

Asking questions is the right way to get to the bottom of all the different policies to choose from for Miami health insurance. For example, if a person is taking medication for acid reflux or to keep the blood from coagulating too quickly, some insurance companies may decline to insure him or her, and others may issue a rider. Knowing what medications a person is taking is part of the whole decision making process when it comes to finding a suitable health insurance policy.

“If you’re stuck and don’t know for sure what would work for you, then call me. I am available to answer your questions and can definitely help you when you’re looking for a Tampa health insurance policy,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/tampa-insurance.html.

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Monday, November 1st, 2010 Press Comments Off on Health insurance covers those unexpected medical disasters

All health insurance policies have exclusions

Never assume that a health insurance policy covers everything. That’s not the case.

“When buying Florida health insurance, you want to make sure you know everything that is included in the policy for the simple reason that if you don’t check, you might get a nasty surprise later when you need coverage you thought you had, but don’t,” said Evan Tunis of Florida Health Care Insurance, of Delray Beach, Florida.

It’s a smart move to make sure you completely understand coverage issues and it saves you those embarrassing moments in a doctor’s office trying to figure out why they are billing far more than expected or why something that you thought was covered is not.

“Why should you be aware of what is in the four corners of your insurance policy? Right now, the economy is not that stable and as a net result, many carriers have modified their plans. That means existing policies might not be applicable any longer. This is one of the questions you need to ask your Florida health insurance agent,” Tunis said.

There are some things that savvy health insurance shoppers will want to know before making a final purchase. For instance, every policy has exclusions. That bears repeating – every policy has exclusions and they do not cover everything. Most carriers will provide the exclusion list and name the services not covered. “Make sure you read this and understand it,” Tunis said. “Some of the excluded options may include home care, convenience products (e.g. humidifiers), nursing care, elective abortion procedures and reconstructive or aesthetic cosmetic surgery. Yes, you can reduce the number of exclusions, but you would then be paying a higher premium,” he said.

Other ways to find affordable Florida health insurance are to try managed care plans. This is another option you might want to ask an insurance agent about. They have information on these types of plans, and the advice on what might be best to choose is free. “Or, have the insurance agent tailor plans to your family or individual needs and work to your budget. It can be done because the agent knows where to look and which carriers to choose,” Tunis said.

And last, but not least, do some comparison-shopping, but always use the same health information every time a Florida health insurance quote is requested. That way, there’s an accurate comparison of prices across the board.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Thursday, September 30th, 2010 Press Comments Off on All health insurance policies have exclusions

Don’t buy life insurance by price alone

Life insurance is a considered purchase. Don’t buy by price alone.

“Searching for life insurance can be a difficult task if you don’t know what you are looking for. Life insurance policies are extremely varied and you really need to speak to a qualified life insurance agent in order to get the real scoop on the various policies. Online research is good, but it doesn’t always tell you what you need to know or how it does or does not fit your particular needs,” said Evan Tunis of Florida Health Care Insurance, of Delray Beach, Florida.

One of the best ways to do a search for affordable life insurance is to keep track of all the places checked out. “Make sure you have a list of the company names and the type of insurance you were looking at. This minimizes confusion later when you want to digest what you’ve seen and read. Make sure you also ask for quotes for the same type of policy. If you don’t you’ll be totally confused later,” Tunis said.

When the quotes start coming back from the companies, it’s best to take some time to read them closely. While many people don’t like to read the fine print and just go for the bottom line, as in how much it costs, this may cause problems later if the policy purchased is not one that the person wanted or even suits them. This is why it is critical for the person wanting the life insurance to know what the policy says.

“One other thing you may wish to check on is whether or not there is further underwriting involved so that the company can give you a more accurate quote. That means that the quote you did get was an average and may not reflect the price you would pay once the company knows your complete health history, etc.,” Tunis said.

It’s important to look at the terms and conditions of policies being considered because failing that, it’s a bit like comparing apples and oranges. If you spot differences in the quotes, the reason for that often has to do with differing terms and conditions.

“I can’t emphasize this enough, when it comes to an important product like life insurance, you need to know what you are getting and need to know that it meets your needs. Buying based on price alone is risky because you may not get what you wanted. Call me, I am here to answer your questions and would be happy to explain the various policies to you,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Wednesday, September 8th, 2010 Press 1 Comment

Term Life Insurance Is Easier to Get These Days

It used to be that getting life insurance was a major pain. Things have changed.

“Remember the good old days when you wanted to buy life insurance and you had to take tests, fill out forms, fill out more forms, mail stuff, sign stuff, and in general, spend a whole lot of time fiddling around? Many people do remember that process and as a net result really don’t like applying for life insurance. Good news, times have changed. Life insurance is now easily obtainable online,” outlined Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Imagine not having to run around in tight little circles trying to keep all the documents and various requirements up in the air at the same time. Imagine a process for applying for term life insurance that takes mere minutes, as opposed to weeks. Welcome to the 21st century and the advent of online “everything.”

“The process for applying for term life insurance online is so simple that people are bound to appreciate it right away. I don’t mean that they can ‘just’ fill out an online application, I mean even the signing for term life insurance may be done online. Technology is great when it saves you time, means you won’t miss signing on the right dotted lines, don’t have to mail in the application form, and can do this all in the convenience of your home,” suggested Tunis.

Applying for term life insurance online just got a whole lot simpler because the industry chose to listen to their customers who were telling them their lives were too hectic to drop everything and come on in to do the deed in person. “Why,” they asked, “can’t we apply for life insurance online and just get things done quickly and easily through a licensed broker?”

“There is still the option for an individual to call and ask questions; in fact, that’s almost to be expected, as most people don’t tend to buy life insurance without having a lot of questions to ask. That’s what I’m here for and I welcome any calls to help people through the online application process,” offered Tunis.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Friday, July 30th, 2010 Press Comments Off on Term Life Insurance Is Easier to Get These Days

A Health Insurance Broker Is Vital in the Search for Health Insurance Policies

In some instances a consumer can take a free look at a Florida health insurance policy of their choice. Certain restrictions may apply.

“Picking out the right health insurance policy can certainly test one’s patience, but honestly, there are so many ways to make that process easier, that the more you know, the less you have to do to find what you need. Sure, it’s one of the biggest decisions you will make during your life and of course, it will directly affect your life too by the quality of the health care options you have,” remarked Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Many people tend to look at getting Florida health insurance as being something they really don’t need because they don’t see the doctor that often. “While that may be true generally speaking, what happens when a major life event unfolds – a broken leg, head injuries, broken ribs or heart problems? Medical bills for those events could put someone into medical bankruptcy. Get covered and put those worries on the shelf knowing if something does happen, your policy ‘does’ have your back,” added Tunis.

Finding and buying the right individual health insurance plans remains among the most important decisions you should make in your life. The policies are investments you should be taking by now before any health problem comes in. Here are several ways on how you could successfully whittle down your choices and maintain costs for co-payments, premiums, and prescriptions.

“Start looking for a policy that suits you in your immediate location; oftentimes they are much better prices than if you go nationally. Not to mention the fact that you will get personal service locally from an expert health insurance broker. Check around for pricing and make sure to ask lots of questions. After all, it’s ‘your’ health and you need to know what you are covered for and what you are not covered for. Who needs nasty surprises later?” Tunis pointed out.

“Before looking for Florida health insurance, make a list of all the things that are important to you; things you absolutely need to have and make sure you mention these to the health insurance broker. If you’ve taken the time to do that – identify your personal preferences – finding what you want is easier. For instance, let’s say you want lower premiums, a good choice of doctors and excellent customer service,” Tunis remarked. If the insurance agent knows these things, it helps them look for a policy to fit their customer’s needs.

While many people these days try to find their own health insurance, it’s really a good idea to use the services of a broker or agent. Why? “Because they know their industry inside out, where the deals are, what would work for you, and what would not. They also know just about every available option in which you may be interested. It saves you the time and hassle hunting online when you aren’t quite sure what you are looking at,” said Tunis.

“One final thing you should know about, and many people don’t know this, is that you can actually try out the health care option that you want; kick the tires for free so to speak. You need to ask your agent about that, as a free trial would give you a refund if you don’t like the policy you chose, but it would need to be within a certain period of time. There are certain restrictions and various guidelines which you would also have to follow. It might be worth checking into,” suggested Tunis.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Wednesday, June 30th, 2010 Press Comments Off on A Health Insurance Broker Is Vital in the Search for Health Insurance Policies

Cutting Family Health Insurance Costs

Everyone in the US today knows that health care costs are going up. There are some ways to cut costs and reduce the family debt.

“For any family that is paying any part of their health insurance cover, they know the cost of everything is going up. Often that can send a family into sheer panic, wondering how they are going to keep on paying for their Florida health insurance,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

For those on a budget, there are some great ways to cut a few corners and save some money. The first tip and the most obvious one, is speak directly to your insurance agent. “Not many people think to do this, which is a shame, as these people have ideas that may save you money just by asking them. For instance, changing plans, switching companies or upping your annual deductible,” Tunis suggested.

Another surefire way to save money is to opt for having limited access to health care providers. While this will mean you won’t have the freedom to see whomever you want, it will save you money. “Of course this is a personal decision and if your family would rather stick with their preferred doctor, then that is likely the right decision for you,” added Tunis.

“Something else that you need to consider is pre-existing conditions. If you or someone else in your family has a pre-existing condition, don’t change plans until you have – in writing – a quote for coverage from the new provider stating it will cover that condition,” Tunis suggested. For those that don’t do that, they might find themselves without coverage for their condition or having to wait for anywhere from six to twelve months for coverage to kick in.

If a Florida health insurance quote comes in with a really, really low rate, best read the fine print, because it’s likely not a good deal. Put another way, if it doesn’t have the coverage needed, the policyholder ends up shelling out money. It’s a good idea to actually pay a bit more a month and know without a doubt that coverage is in place.
In order to be a bit creative in saving money on buying Florida health insurance, make sure you talk to the local insurance broker. They know ways to save money on buying health insurance and that will be a direct benefit to the budget.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Sunday, May 30th, 2010 Press Comments Off on Cutting Family Health Insurance Costs

Health Insurance in the Future May Look Different Than It Does Now

The new Health Care Reform Act mandates people buy insurance or be fined. That isn’t slated to happen until 2014.

“Just because the Health Care Reform Act was signed into law and part of it mandates everyone

must have health insurance or face serious fines, you don’t have to rush right out and get health insurance.The mandated insurance doesn’t kick in until 2014, that is ‘if’ the Act is still in force and if the government is the same as it is now. There are no guarantees here, which means things could very well change,” indicated Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

While it is a wise move to check out what is available in terms of health insurance, there is no particularly pressing need to buy it this very instant. “Even though there are a lot of people who are making it a point to scare you into getting health insurance “right away,” you would be better off taking the time to make any decisions relating to health insurance before being stampeded into something you may not need and may not suit you,” said Tunis.

There are those that also say the price of insurance will go up. It may and it may not. In some instances, if a risk pool of individuals is keeping their old insurance plans, their prices may go up because the pool would shrink over time. In other instances, the prices should come down because of the increased number of people on the market searching for reasonable health insurance and the insurance exchanges – also tentatively coming into play in 2014.

Take the time now to read what the Health Care Reform Act really contains and how it is intended to introduce changes over time. Just because this was signed into law does not mean everything in the Act is applicable “right now.”

As for finding reasonable health insurance, that can be done quite easily with the assistance of an expert health insurance broker who knows what’s coming in the future. They are well versed of the changes on the horizon that will reform health care as we know it today.

“Knowing what you need to know now will stand you in good stead for later down the road. While it’s a good idea to check into the pricing of health insurance now, you may find that within a year or two, the prices will be even better. There is no rush to get it and anyone that tells you there is needs to read the Act again and stop scaring people,” indicated Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Thursday, May 20th, 2010 Press Comments Off on Health Insurance in the Future May Look Different Than It Does Now

Premiums May Vary over the Years

Opting out of family health insurance may be risky. It may also cost a family their life savings.

While it’s pretty much a given that family health insurance is necessary, many families find themselves between a rock and a hard place when it comes to paying the bills and keeping their insurance premiums current. Many choose to drop their family health insurance.

“This is a risky thing to do, because if a member of the family is involved in an accident or contracts a serious illness, your savings could vanish just about overnight while trying to keep up with the bills,” states Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

At one time, families could afford to pay a hospital bill when it arrived in the mail. The cost of health care back then is nowhere near what it is now. Given the current state of health care in the US, even relatively minor ailments may run several thousands of dollars. “If you have children, the costs may be even higher, as they get a lot of colds, the flu, ear infections, strep throat, broken limbs, and other illnesses that need medical attention. These are major reasons why families need to have current Florida health insurance,” added Tunis.

“I’ve heard many families comment that they can’t find reasonable health insurance. As a health insurance broker, I know for a fact that there are reasonable policies out there. Furthermore, with the new changes coming in June 2010 and the signing of the Health Care Reform Act into law, the health insurance industry will become extremely competitive. Timing is everything,” Tunis commented.

To get a good understanding of what options are available for family health insurance, check online. “Ask for custom quotes, multiple quotes, and different providers and services – it doesn’t matter what you ask for, you should be able to get virtually instant answers online. Keep in mind that these are quotes based only on information you provide. If that information is inaccurate, it will make a difference in the quotes, so make sure you use the same information for every quote you request,” Tunis explained.

Some people shop first and tailor their budget later. “I find that it’s better to have a budget in mind first and then see what fits that budget. It takes the stress factor out of online shopping, or buying Florida family health insurance in person. It also helps the insurance broker to know what range you are able to buy in rather than hand you options that won’t fit the family finances,” indicated Tunis.

To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Friday, May 14th, 2010 Press Comments Off on Premiums May Vary over the Years