critical illness insurance

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)?

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/.

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Tuesday, August 3rd, 2010 Blog Posts 1 Comment

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/.

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Monday, August 2nd, 2010 Blog Posts Comments Off on Expect Longer Underwriting Times for Florida Health Insurance

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/.

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Tuesday, July 20th, 2010 Blog Posts Comments Off on Quick Ways to Save on Florida Health Insurance

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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Friday, July 9th, 2010 Blog Posts Comments Off on Say Goodbye To Child Only Policies in Florida

Worried that a Critical Illness may put you in the Poor House?

If I had a life insurance product that covered you for a critical illness for up to $250,000, would you be interested?

If you have a critical illness such as a heart attack, stroke, renal failure, a major organ transplant, a terminal illness or a total disability, would you want a check to help you pay your expenses?

You probably answered a resounding Yes to both those questions. Who wouldn’t want cash to help them pay their medical expenses if you have been diagnosed with a critical illness? Finally, there is a term life insurance policy that pays living benefits to you for your critical illness.

How much does this policy pay in the event of critical illness?

  • Cancer (Life Threatening) 100%
  • Heart Attack 100%
  • Stroke 100%
  • Renal Failure 100%
  • Terminal Illness 100%
  • Major Heart Surgey 25%

These benefits come from all or part of your term life insurance coverage amount and provide you funds for the covered conditions diagnosed at least 30 to 60 days “after” your term life insurance effective policy date. Its simple. Its effective. It helps you pay your bills. What other life insurance policy does that?

Living benefits go directly to you “ the policy holder “ and you choose how to spend the benefit. Most people use the extra cash for daily living expenses, lost income, cost of caregivers or home health care, etc.

Living benefits is an option you can’t live without in this day and age when people are living longer lives. Who wouldn’t want protection when they need it the most?

I now offer the latest in term life protection  LifeStyle Protector “ to protect YOU! Give me a call and and I’d be pleased to walk you through all the benefits.

To Your Health,

Evan Tunis

Florida Healthcare Insurance

561.637.8162/800.946.3157

Evan@FloridaHealthcareInsurance.com

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Thursday, July 8th, 2010 Blog Posts Comments Off on Worried that a Critical Illness may put you in the Poor House?