Let’s Talk Short Term Medical Insurance

As premiums for ACA compliant plans have begun to rise clients have been seeking alternatives.  One of the better alternatives is short term medical insurance.

What is a short term medical plan?  Evan Tunis, Owner of Florida Healthcare Insurance explains, “Short term medical is designed to provide a stop gap for those in between jobs or those or only need major medical insurance for a specific period of time.”

Short term plans can run as little as one month to as long as 12 months.  The better carriers who provide this insurance are United Healthcare and National General(Aetna).  The plans are medically underwritten, do not cover pre-existing conditions, and usually just provide a discount for services such as doctor visits and medications.

Evan Tunis, “Short term medical plans depending on your situation can make sense.  In addition with the new administration likely eliminating the individual mandate the penalty is no longer a factor.”

If you are interested in a quote for short term medical please let us know.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the  leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

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Monday, January 23rd, 2017 Blog Posts Comments Off on Let’s Talk Short Term Medical Insurance

Pricing and Health Insurance

If you’ve ever gone to a doctor, lab, or hospital and asked what a procedure or test will cost you’ll get the same answer-what insurance do you got?

This answer is troublesome for a myriad of reasons.  Your neighbor could be paying 1/10 of what your paying or 3x for the same procedure.  There is no other business in the United States that operates like this.

It is of the opinion of Florida Healthcare Insurance that healthcare should be like any other business.  Prices should be transparent and patients should know all of their options.   The medical fields that currently do this such as Lasik have seen rates cut  significantly.

The first step to solving the health reform situation in the United States isn’t in a law or reform but rather thru transparency.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the  leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

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Thursday, January 19th, 2017 Blog Posts Comments Off on Pricing and Health Insurance

PPO Health Options In Florida

If you are looking for a PPO medical plan in Florida the options are slim.  You options are either a Blue Cross Blue Options EPO or an AvMed POS.  In the past we had choices such as Golden Rule and Cigna but that is in the past.

Evan Tunis, Owner of Florida Healthcare Insurance, “The carriers who have offered large PPO networks in the past have shut down enrollment. In its place are regional carriers or short term medical plans.”

In a case of unintended consequences the plans with the best nationwide networks are short term plans with National General and United.  Both of these carriers have products that will cover you nationwide though both are limited to 1,000,000 of claims.  To understand if a product like this would help your family please consult a licensed agent.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the  leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

 

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Tuesday, January 17th, 2017 Blog Posts Comments Off on PPO Health Options In Florida

Last Day for 1/1/17 Effective Date

Good Morning People,

Today is the last day to find a health ins policy with an effective date of January 1st. If you still haven’t found a new policy give us a call at 5616378162.

Evan Tunis
Florida Healthcare Insurance
561-637-8162

Thursday, December 15th, 2016 Blog Posts Comments Off on Last Day for 1/1/17 Effective Date

Health Insurance Deadlines for January 1st Effective Dates

Hello All,

Just a friendly reminder that if you would like an effective date of 1/1/2017 your application needs to be by December 15th.  Any policy written after this date will have a February 1st effective date.  If you would like a quote simply call Evan Tunis at 561-637-8162.

Florida Healthcare Insurance

Monday, December 5th, 2016 Blog Posts Comments Off on Health Insurance Deadlines for January 1st Effective Dates

Florida Healthcare Insurance Awarded BBB Accreditation

For Immediate Release:

Florida Healthcare Insurance a full service health and property insurance agency in Coral Springs, FL has recently been granted an accredited business by the Better Business Bureau.

Evan Tunis, owner of Florida Healthcare Insurance, “We are very pleased that the BBB has honored our company. We work diligently on behalf of our clients and are glad it is recognized.”

Besides Florida Healthcare Insurance, LTC Insurance Advice(a long term care site under FHI) was also recognized. For a quote on health, life, ltc or any other field call Evan Tunis at 561-637-8162.

Wednesday, November 23rd, 2016 Blog Posts Comments Off on Florida Healthcare Insurance Awarded BBB Accreditation

Lower Your Expections for Health Insurance in 2017

We get it. Paying for health insurance sucks. You pay for something that hopefully you will never use.

With rates across the board rising its important to figure out what you “need” in a policy and what you can do without. For example have a plan that covers your generic medication when in reality it costs $10 doesn’t make much sense.

The biggies-make sure your plan covers all major hospitals. Make sure its real insurance not a (US Health Advisors). Make sure if something big occurs your financially okay. The rest is just gravy.

Monday, October 31st, 2016 Blog Posts Comments Off on Lower Your Expections for Health Insurance in 2017

2017 Health Insurance Open Enrollment

Hello Everyone,

Welcome back to the fray. Where do we start…. Well for starters Aetna, Coventry, Humana, Cigna and Humana have terminated all plans written after 2014. What’s in its place is a bunch of high priced or low quality options.

Us here at Florida Healthcare Insurance won’t let our clients down. We have scoured the globe and have found ways to still get high quality PPO Insurance Plans without paying a penalty. For a quote on a non marketplace policy please call Evan at 561-637-8162.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

#acareplacement #obamacare #cancelledinsurance

Sunday, October 23rd, 2016 Blog Posts Comments Off on 2017 Health Insurance Open Enrollment

What to Look for in a Health Insurance Broker?

What to look for in an insurance broker?

1.  Are they licensed with all carriers or just represent one carrier?  If they just represent one carrier then you will not get a full gauge of what’s available.

2.  Are they licensed in my state?  Many “navigators” are recommending plans to individuals with no knowledge of insurance but a 40 hour class.  Do you want to risk your medical history to them?

3.  What carrier does my insurance broker have?  Brokers should not be afraid to share this information and if they hem and haw move on.

4.  Is the coverage they offering even insurance?  Again look closely ask questions.  If you feel uncomfortable look into detail at what the insurance carrier they are recommending.  If it looks like crap it probably is crap.

For any questions on what to look for in an health insurance broker please contact Evan Tunis at 561.637.8162

Evan Tunis is with FloridaHealthcareInsurance.com, one of the leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visithttp://www.floridahealthcareinsurance.com/ or call 561.637.8162.

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Wednesday, February 19th, 2014 Blog Posts Comments Off on What to Look for in a Health Insurance Broker?

What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?

A)  The penalties for not signing up for an ACA compliant plan or having an existing policy prior to January 1st 2014 is $95 or 1% of your income whichever is greater.

What are the alternatives if you didn’t want a plan like this?

If you wanted to save money you could always go with a short term medical plan.  These are offered through Golden Rule, Assurant and Health Insurance Innovations.   These are NOT major medical plans and are not meant to cover pre-existing conditions.  They are however quite affordable and offer some protection.   In addition we can always add a critical illness and accident policy to strengthen the benefits.

If you have any questions do not hesitate to call me at 561.637.8162.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

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Tuesday, February 18th, 2014 Blog Posts Comments Off on What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?