ACA

Health Insurance Options After Open Enrollment

If your not aware open enrollment for health insurance is over.  This was the 3 month window where you can shop different plans, apply for government help or tell the government no thanks.

For those that missed the deadline there are 3 options:

  1.  If you have a SEP(special election period) you can purchase a plan thru healthcare.gov or directly with a carrier.  An example of some SEP’s would be marriage, birth of a child, moving etc.

2.  Short Term Medical.  Short term medical is a great alternative to health insurance and provides major medical coverage at an affordable rate.  Many clients             including this author have purchased these items for there family.

3.  International PPO.  Available only for Ex-pats’ and those who travel globally.  These policies can be custom tailored to your individual needs and are priced             well.  Not to mention the network is usually one of the strongest in the world!

For a quote on a short term medical plan, International PPO or traditional plan 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, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

Tags: , , , , ,

Friday, February 3rd, 2017 Blog Posts Comments Off on Health Insurance Options After Open Enrollment

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.

Tags: , , , , , , ,

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.

Tags: , , , , , , , ,

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.

 

Tags: , , , , , , , , , , , ,

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

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.

Tags: , , , , , , , , ,

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.

Tags: , , , , , , , , ,

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

Will Young People Actually Sign up for the ACA(Obamacare)?

Since the ACA was announced in 2008 one of the great questions that kept popping up was would enough young people sign up?  The ACA needs young “healthy” people to sign up to offset some of the costs of older more medically needy folks.   Otherwise if they do not sign up rates will increasingly skyrocket.   An analogy is that lets look at car insurance and tell a carrier they must take every person who has  had five accidents in a year and that same driver with a perfect record and a new car well he has to pay the same..

What has the data told us about young people signing up?  According to Evan Tunis, Owner of Florida Healthcare Insurance , young people who don’t qualify for subsidies are staying away in droves.  “When I encounter a younger person under 30 they are eager to get a policy however when I advise them on the premium they say thanks but no thanks.  It is only those who are getting substantial subsidies that are signing up.   More so young people are getting less of a subsidy then older folks with the same income.”

If this trend continues carriers will be forced to reconsider if they want to be apart of the Federal Exchange or not.  Carriers such as United Healthcare and Aetna in most states currently have already said we’ll maybe see about 2015 or 2016.

If there are any questions please call Evan Tunis of Florida Healthcare Insurance 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.

Tags: , ,

Tuesday, February 11th, 2014 Blog Posts Comments Off on Will Young People Actually Sign up for the ACA(Obamacare)?

Do I Need to have a job to get a subsidy for the ACA(Obamcare)?

Do  I Need to have a job to get subsidy on the ACA (Obamcare)?

A) It depends but in most cases the answer is yes.  Subsidies are determined by a myriad of factors but most importantly how much you make.  If you are a single person and make under 11,500 you will be not be eligible for a subsidy but rather must go into your state’s Medicaid plan.  Don’t want a Medicaid plan that’s fine but your not entitled to a subsidy.

According to Evan Tunis, Owner of Florida Healthcare Insurance, income is a huge stumbling block for those looking for assistance.  For some individual who make under 11,500 the realization that the only help is Medicaid is devastating.  Many even though there incomes say they qualify for Medicaid are unable to.  Tunis advises his clients with questions on this to give him a call before attempting anything on the marketplace.

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.  #Obamacare #ACA #Floridahealthinsurance

Tags: , ,

Tuesday, February 4th, 2014 Blog Posts Comments Off on Do I Need to have a job to get a subsidy for the ACA(Obamcare)?

Who are the major carriers in Florida on the Healthcare Exchange?

You Florida you must remember that certain carriers are participating in the Federal Exchange(Florida Blue, Cigna,  Humana, Aetna) etc  while others such as Assurant and Golden Rule are strictly off the exchange.

According to Evan Tunis, owner of Florida Healthcare Insurance, this creates a lot of confusion for clients.  “Many clients will ask me for a Golden Rule plan with a subsidy thinking that  they are on the exchange.  The rollout of the ACA has created a lot of confusion where consumers think that is the only place to find plans.”

In addition to further confuse clients plans on the exchange from Humana for example are strictly HMO’s where off the exchange you can get a Point of Service plan.

Tunis advises every  client to speak with a licensed professional who represents every carrier thus they are unbiased.  To speak with a navigator who isn’t licensed and has no idea what they are recommending is a mistake.

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.  #Obamacare #ACA #Floridahealthinsurance

Tags: , , , ,

Thursday, January 30th, 2014 Blog Posts Comments Off on Who are the major carriers in Florida on the Healthcare Exchange?

What is the penalty for not having Health Insurance in 2014?

Just a reminder everyone the penalty for individuals who do not wish to purchase Florida health insurance in 2014 is $95 or 1% of your income whichever is GREATER.

People tend to forget the whichever is greater option so I’m just reminding you.

What if you don’t want to pay the penalty and want insurance?  Great, now speak with a licensed representative who can guide you in choosing the proper plan.  Pay attention to your deductible, co-insurance, network etc.  Ask questions!!! Don’t Be Shy! I look forward to hearing from you unless you choose the penalty which in that case dont’ get sick.  #ACA #Obamacare #Floridahealthinsurance

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

Tags: , , ,

Tuesday, January 28th, 2014 Blog Posts Comments Off on What is the penalty for not having Health Insurance in 2014?