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Don’t Compromise Health Insurance

Even if the price of health care is higher than it used to be, try not to compromise on health care insurance. There will come a time when it’s needed.

Most people these days are not able to pay much, if anything, for health insurance simply because the cost of everything is going up daily – that includes the price of medications, stays in hospitals and doctors’ services. “The main thrust behind health care these days appears to be profit, not necessarily the welfare of the patient. It’s no small wonder many individuals try to get by without health insurance at all. Risky move that one,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Not having health insurance may save money initially, until the sudden and unexpected happens (a broken leg, heart attack, or other major disaster). Treating the major medical disaster at the time it happens will ultimately wind up costing more than the person would have had to pay if they had health insurance. This one predicament alone is responsible for more medical bankruptcies than one can shake a stick at.

While it may seem like an uphill battle to find reasonable health insurance quotes, it can be done. The competition out there is fierce and with the changes coming to the health care system, it will get even better. That’s good news for consumers who will be able to take advantage of discounts on obtaining health insurance. “Let’s face it, waiting until you have a medical emergency will only mean you go into enormous debt, use your credit cards (with outrageous rates of interest) or wipe out what savings you may have.Finding affordable health insurance is a much smarter alternative to financial disaster,” outlined Tunis.

“If you don’t think it’s really possible to find reasonable health insurance, just go online and take a look at the literally thousands of online insurance companies. There is a deal out there with your name on it; you just have to find it,” Tunis commented. “While hunting for reasonable health insurance quotes may not be all that exciting, it will be beneficial for you if you find yourself needing that insurance,” he added.

Remember that cheap insurance doesn’t always equate to good coverage. So spend the time reading the policy offerings returned on a search. It’s a slam dunk that there ‘will’ be a policy at the right price with the right benefits for you. You just need to look for it,” encouraged Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

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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Thursday, April 22nd, 2010 Press Comments Off on Don’t Compromise Health Insurance

Our Medical Costs Are Our Fault

Health care costs are an arm and a leg for a good reason. This is because the health care system is badly overused for the wrong reasons.

Medical procedures are certainly expensive but then, they should be. There are skilled and exacting procedures for people who really need them to make a difference in their life or to save their life. And therein lies a billion dollar problem. Americans overuse the health care system and have no one else but themselves to thank when the costs keep going up to keep pace with the system demand.

“Come to think of it, how many people do you know who run to the doctor when they have a minor infection or just want to try out a new drug they heard about on television? Chances are, if you think about that for a minute, you could think of a lot of people, likely including yourself, who have gone to the doctor for a minor cough, a mild flu or maybe even a funny rash. These visits cost us big bucks, and it’s just that simple,” explained Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Small medical complaints aside, the vast majority of Americans today sit and get fatter because they do not get up off the couch and get physical. Being overweight causes all kinds of deadly health problems ranging from diabetes to heart disease. Odd that so many people would choose potato chips over good health when those chips may ultimately give them a heart attack. “Bluntly put, as a nation we use much more health care services than we really should,” added Tunis.

If we were able to cut back on the number of heart bypass surgeries we do every year, health insurance costs would go down. If we cut back on the number of other major surgeries performed, health insurance premiums would also go down. “Way back when health insurance wasn’t too expensive, there were nowhere near the numbers of operations performed now. Bottom line is that our fitness and health are becoming dead last in the race,” indicated Tunis. We now have a nation of a great many moribund people who feel taking care of themselves is up to somebody else.

Health care and wellness education is one place to start turning this tide of expenses around. Although having said that, one can’t force people to cooperate and choose a healthy lifestyle. “Eventually, usually when it’s too late, those who have been overusing the health care system ‘get it.’ If we take control of ourselves and manage our own health care to the best of our ability, eventually this will make a difference,” commented Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

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 11th, 2010 Press Comments Off on Our Medical Costs Are Our Fault

Read It Before You Buy It

No matter how many times an insurance broker advises people to read their policies before they buy them, people just don’t do it. This isn’t a good idea.

For those that want the best of the best in terms of health insurance, be prepared to pay top dollar. For some this isn’t a problem, however for the majority of Americans it is a huge obstacle. Most Americans are struggling to just put food on the table these days. That doesn’t mean that there isn’t affordable health insurance plans for those with a lower income, because there are a variety of choices out there,” explained,” Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

With budgets being as tight as they are right now, cost is perhaps the single largest criteria for those looking to buy health insurance. It needs to make sense to them and to also be something they can pay for now and in the future. “More importantly, the

policy also needs to provide adequate coverage for their needs. While this may sound like an impossible combination, it is actually doable. This doesn’t mean that the person doing the shopping around should ignore ‘other’ vital facts besides the cost,” Tunis advised. While cost is a factor, what is in the policy is even more important.

“If people don’t read the policy they want to buy, they will have no idea what they are actually covered for and this can lead to some really ugly moments later when they need health insurance coverage. This is why we always tell people to read the fine print and ask us what the insurance does ‘not’ cover, which is just as important as what it ‘does’ cover,” explained Tunis.

Keep in mind that it’s smart to shop health insurance policies because no matter where you live there is always going to be competition for new customers. Prices may vary based on the cost of living in that state, what type of occupation a person has, how healthy that person is or is not, and their age. Those with high risk jobs that include fireman and police officers will often see higher premiums.

Seniors have a different set of concerns to address and typically health insurance packages tend to have various restrictions and constraints. This is another thing to ask an expert health insurance broker as well, as they are able to offer various alternatives that might even be better. “While it’s smart to be budget conscious, there are times when one’s age may dictate what a person needs to have, not what they want to have, and that’s just a fact of life,” added Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Read the health insurance contract and gain even a passing understanding before signing on the bottom line. It’s vital to know costs, the method of payment, how long the policy is in effect, and the terms and conditions.

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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Thursday, March 25th, 2010 Press Comments Off on Read It Before You Buy It

Health Reform Is Years Away, Act Now

It’s a no-brainer that health reform is going to take a lot longer than what the government says. Act now to get your health insurance.

Better to have something than nothing is the old saying of those who realize that indeed, in some instances, having five cents is better than nothing. How does this apply to health reform? Having something in terms of health insurance coverage, even something minimal, is better than having nothing. There is no point in waiting for health care reform to kick in and then be mandated to get a policy you might not want.

“Health reform is honestly all over the map, and every day there is something new about it in the news. It started out as one thing, with one goal, more or less, and then somehow evolved into a document so thick it could be a doorstop. Now, since the State of the Union address, the nation is confused again over whether health care reform is coming or not,” indicated Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

The longer people wait to find out what the reform will actually mean for them, the harder it will be for them to get health insurance that works for them. If health reform is passed into law according to what is in the media, those without health insurance will be forced to get it. Nowhere is there any mention that they will have choices in what they get.

The latest concern arises from the eighteen words, out of thousand in the State of the Union address, the President aimed in the direction of the health reform initiative. “He spoke of health insurance needing reform, so that everyone would have access to the system. Re-read that last sentence, because it says health ‘insurance’ reform. If he honestly means health insurance reform, the big boys aren’t going to be very happy about that,” added Tunis.

Reforming health insurance is one thing; reforming health care itself is another. “Right now no one seems to be clear on who is doing what. Rather than wait until the dust settles and be forced into taking something that might not suit you, wouldn’t you rather take control of your own health insurance choices and know what you are getting?” asked Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

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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Saturday, March 20th, 2010 Press Comments Off on Health Reform Is Years Away, Act Now

Health Savings Accounts Not for Everyone

Health Savings Accounts (HSAs) are great for some people, but not others. The major issue seems to be whether contributions would even be made.

It was 2003 and Health Savings Accounts (HSAs) hit the health insurance industry with a big fanfare. “Right away some thought they were wonderful and others thought that while they looked good on the surface, they just would not work well for everyone. They were touted as the best thing since sliced bread as far as helping people save for tax-free qualified medical and retiree health expenses,” Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida, pointed out.

Having a tax-free advantage is a good thing in this day and age, but what other information do people really need to know about HSAs? Much of the basic information people wanted to know about this alternative way to save money for Florida health care expenses got lost in favor of other points. “People didn’t feel they had enough information about HSAs to make informed decisions. The truth of the matter is even though HSAs have been around since 2003, there aren’t a lot of people who get how they work, which is a drawback if they want to find a way to save money for medical expenses,” added Tunis.

Interestingly enough, the most crucial question Americans wanted answered was if they ought to be opening an account in the first place. Statistically speaking, some individuals are just born savers, others are born spenders, and still others couldn’t manage money if their lives depended on it. “Opening a savings account wouldn’t make sense for people who don’t understand how to manage money or who spend it before they get it. It wasn’t much of a surprise that the merits of HSAs just fell on deaf ears for the unconvinced stragglers in the crowd,” Tunis said.

Basically, having a Health Savings Account is all about the smart financial move of saving money for the future to pay for medical expenses. Everyone will have medical expenses at some point in their lives, and rather than get caught having to pay out-of-pocket, if they have something saved aside, they’re taken care of by using their HSAs.

“If people have trouble saving money for the future, particularly for a health savings account, this could mean they become another statistic among the numbers of uninsured Americans. If they opt to pay monthly premiums, that would be a different story. However, that is the thing about HSAs; if they are not something a person would choose freely because it works for them, they do have other options which can be outlined by a qualified insurance agent,” Tunis commented.

For instance, some other options may be more preferable for people who don’t or can’t save – such as a Co-Pay Plan, or even Small Group Medical. Talk to a local Florida health insurance agent to find a plan that works with any budget, as not having health insurance is a risky option.

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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Thursday, February 11th, 2010 Press Comments Off on Health Savings Accounts Not for Everyone

US Health Care Confusing and Costly

The US health care system is so confounded confusing largely because it is managed by a variety of legal entities. Where there is confusion, there are wasted tax dollars and increases in health care expenses.

This won’t come as much of a surprise to a whole lot of people, but the US health care system – despite its possible revamp – is in such a mess it’s not easy to understand what is going on. While most people “get” that their medical care is going up and up, they don’t get “why” it’s so high. The actual problem happens to be that there are way too many people and entities trying to run the system and the upshot is no one is doing a good job.

“US health insurance is privately run, privately priced, and a private business. Most large insurance companies therefore have a bottom line to deal with, and that means watching their finances. Smaller insurance companies have more room to be human, treat customers with respect and dignity, and offer people reasonable prices,” commented Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Of interest is the statistic that the US spends more health dollars than “any” other nation in the world. This could be viewed two ways: good because the system is top-notch and bad because it’s way too expensive. The actual amount usually tossed around in the papers is based on the dollar outlay as being part and parcel of the GDP and on a per person/per capita basis. Since our health care costs are so high, that should immediately let people know there is trouble on the horizon. If health care is this expensive now, what will it be in few years from now, reform or not?

These health care statistics are not just numbers picked out of the air and run up the flagpole to see if someone will salute. They are actually based on the overall good (or bad) health of the general population. Check out the most recent stats for health care spending in 2007 ($2.26 trillion or $7,439 per person). That means health care spending was about 16% of the GDP. Americans are obese and by 2017 health care gurus predict health care spending may be close to 20%.

These figures are not exactly encouraging and in fact are downright depressing. The health system is overwhelmed now. In 2017, with the extra burdens of the baby boomers coming of age and obese and addicted Americans beginning to have serious health problems, a system under strain is a system that gives out when it’s needed the most.

Americans ultimately are responsible for their own health; the system is not. Until many people realize that their personal choices dictate their medical conditions, the health care system and trying to get reasonable health insurance is going to continue to be difficult.

Being fit will affect a health insurance quote positively. It’s up to everyone to make a difference in their life for their own health.

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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Monday, February 8th, 2010 Press Comments Off on US Health Care Confusing and Costly

Small Business Health Insurance an Option in Florida

It’s fairly easy to get Florida small business health insurance. In fact, it’s easier than going for an individual health insurance policy.

A lot of people running small businesses don’t know this particular piece of information; that they would be far better off with small business health insurance than an individual policy – even if there are health issues involved. The thing to keep in mind is that there are different laws about Florida small businesses.For instance, the law in the state of Florida mandates that health insurance companies sell “any” small business a group health insurance policy. By definition, a small business (small group) has at least a minimum of two workers but, not more than 50.

“There is some eligibility criteria that people need to meet for small business health insurance and one of the requirements is that the worker is employed under a boss who actually runs a legitimate company. In addition, in situations like this, if a small business does succeed in getting small business group health coverage, they are not allowed to cancel the plan because one person may need it,” outlined Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

The good thing to know is that getting a small business group health insurance policy has a lot of advantages going for it. For example, it offers excellent medical care for owners and employees and actually lowers the financial risks of each member of the group. “With lower premiums, just about everyone is happy. The wider coverage for group health insurance is also a major advantage that many people appreciate,” added Tunis.

When pricing comes into the equation, prices for Florida small business group health insurance are really reasonable, and are based on a standard rate. “That standard rate happened to be the average of the risk associated with everyone in the group as a whole. In a small business plan the participants may pay up to 15% more or less the standard value. The amount they pay is dependent on medical conditions,” said Tunis.

One thing to keep in mind is that if the members in the “group” are quite healthy, meaning without any pre-existing medical conditions, then they may pay more in a small business health insurance plan than on an individual health insurance policy.

“This is because the whole group is taken into consideration when the rates are set. When in doubt about what might apply in a small business group health plan scenario, speak to a local health insurance agent who is familiar with this area,” explained Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida. They will be able to assist customers and businesses select what works best for them.

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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Monday, January 25th, 2010 Press Comments Off on Small Business Health Insurance an Option in Florida

Denied Florida Health Insurance Find Other Options

There are some people in Florida that are denied health insurance as a result of certain medical conditions. There is another way to get health insurance.

Thankfully, there are ways that those denied health insurance in Florida are still able to get insured, which is a good thing, since statistically speaking it’s one of the more expensive places to get health insurance. Interestingly enough, there is no set limit on what an insurance company may charge people in Florida for a policy. “However, smaller companies know that people who want and need health insurance are just like us, and we price our policies accordingly,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Despite conditions being ripe for insurance companies to charge what they want for health insurance, there are smaller companies who offer decent prices, good service and excellent health insurance policies suited to each individual. “And the best thing is that if someone has been denied health insurance for a specific condition, there are companies, like ours, that will take the time to shop the condition around and find a carrier who will insure that individual,” added Tunis.

This is largely due to that fact that Tunis knows his carriers inside out and can immediately find what is needed for his clients. It’s refreshing to know that there are still some companies in the health insurance business who really care about their customers and who will go out of their way to make sure they get what they need.

While it might seem like a major hassle to have to ask around all over the place to get a health insurance policy due to a pre-existing condition, the solution is to see a local health insurance broker for one stop shopping. Tunis knows precisely what that is like and has handled many people searching for decent health insurance at a reasonable price. “We know all the carriers and we know where to go. I’ve been able to find people what they need. All they need to do is ask us and we are more than willing to help them,” said Tunis.

Handling those who have been denied insurance is not that hard; at least, it’s not as hard as some people would make it out to be. “The thing is that just because a person was denied by one carrier for a certain condition, doesn’t mean they will be denied by another one. There may be a great deal of flexibility between one carrier and another. For instance, one carrier may outright decline a pre-existing condition like asthma, while another will okay it so long as the person is able to prove they have the condition under control,” outlined Tunis.

“There are ‘always’ other alternatives if someone has been declined for insurance and we welcome those who have been denied health insurance to come and see us, call us or stop by our website. We have access to a large number of carriers and will be able to find them something that works for them,” stated Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

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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Wednesday, January 20th, 2010 Press Comments Off on Denied Florida Health Insurance Find Other Options

Applying for Disability Insurance

While it’s not terribly difficult to apply for disability insurance, there are some hoops to be jumped through.
To get disability insurance an individual needs to fill out and submit an application form and deal with a few other details that an insurance agent will outline. Once that application is completed, it’s sent to the insurance company who gives it the fine tooth comb treatment and then makes a formal decision on whether or not to offer disability insurance. Again, while this isn’t the same thing as applying for life insurance, it is a good idea to have realistic expectations about pricing, potential exclusions and the timing of the policy ultimately offered for consideration.

One of the first things to remember when applying for disability insurance is that a quote is just that, a quote. It is not guaranteed. It boils down to being a guess and projection about what your agent feels you will be offered. In order to fine tune a quote and to have it be more realistic according to the circumstances of a person’s life, there needs to be discussions about an individual’s medical history, personal history, income and occupation.

Once the agent knows these details, there is going to be a more accurate quote. Generally speaking, expect a quote in the range of 1% to 4% of yearly income. Don’t be surprised if the occupation stated involves things like skydiving, to have the insurance company express a certain amount of reluctance to offer a policy.

After getting several quotes, a person needs to decide which insurance company to work with and then hand in all the rest of the required material: the application, a personal history interview, insurance medical exam and tax forms from two years previously. The only item that is not required is the personal history interview, but this does give the underwriter a much better overall picture of the person they are considering for disability issue.

Underwriting normally takes about 4 to 8 weeks, rarely 4 weeks unless the application is totally perfect in all ways and the applicant is in prime physical health, something that doesn’t happen all that often. To shorten the underwriting process, provide all the information requested and then add more. Usually though the hang up is getting medical records from the family physician.

The medical portion of underwriting is the most critical. Perfect health means you’re good to go and don’t have a medical condition and haven’t been seen by a doctor. Understandably, this is pretty rare, and those with medical conditions need to know about price rating and exclusions when it comes to disability insurance.

Price ratings come into play when the company is offering coverage to an applicant who is considered to be a higher risk than average, e.g. someone morbidly obese. Exclusions are amendments that come with the policy and spell out that a specific condition or even body part is not covered under the policy. Put another way, those with existing medical conditions being treated should expect exclusions for those conditions. The exclusions tend not to affect pricing, but to be sure, talk to an experienced insurance agent to get all of the right answers in a timely, no hassle manner.

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, December 13th, 2009 Press Comments Off on Applying for Disability Insurance

Cheaper Health Care Is Totally Possible

Cheaper health care is available by doing some comparison-shopping.

Everyone loves a bargain. Why wouldn’t they be overjoyed to get something at a better price than they thought they might have to shell out in the first place? This is why it actually does pay to shop around for cheaper health insurance premiums.

This doesn’t mean dive right into the first, less expensive option found. It means taking the time to compare what’s on one site with another one. It might sound like a major drag to do that, but if it saves money and gets what’s needed for health care, then it’s well worth it.

Once something is found that should work, this is where people need to fish or cut bait. Pick up the phone and call the health insurance agent on duty and start asking some pointed questions about the plan(s) listed on the website. Talking to an agent is the best way to find out the rules and the exceptions to the rules – which are often more important that what is covered.

Just because something on a health insurance website that has a “to die for” kind of price, don’t take it as being the absolute truth. The sites are designed to provide general information only. Each case will be different and this is why expecting to get what is on a website won’t work. For instance there may be an example of what a person may pay if they happen to be XX age, in XX health without XX illnesses.

Confused? This is one of the reasons people prefer talking to an agent and getting instant feedback. Reading information on a website, while good for generalities, doesn’t do much for the specifics of particular situations. This is particularly true if pre-existing conditions are brought into the equation. Those make a significant difference to health insurance premium rates.

While shopping for health insurance is not the most fun thing in the world, it can be a lot easier and less expensive if done the right way. Take the time to find all the options before making a final decision.

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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Thursday, December 10th, 2009 Press Comments Off on Cheaper Health Care Is Totally Possible