Exclusion Rider

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/.

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

Tuesday, August 3rd, 2010 Blog Posts 1 Comment

What exactly does an Exclusion Rider mean for my policy?

When shopping for Florida Health Insurance it is important to understand what is means if you are given an exclusion rider.

An exclusion rider means a certain area ex. (knee) will not be covered under an individual insurance policy. Exclusion riders will not cover any injury or illness that is associated with the problem area.

It is always recommend to never get a plan that will have an exclusion riders.

To learn more about Florida health insuranceFlorida health insurance quotesFlorida life insurance,Florida life insurance quotesFlorida group health insurancevisit Floridahealthcareinsurance.com.

Tags: , , , , ,

Sunday, April 11th, 2010 Blog Posts 2 Comments

What Exactly Does an “Exclusion” Rider Mean?

When determining what potential carrier to go with it is important to understand if that carrier will exclude certain medical conditions.  But what exactly does this mean?

There are certain carriers such as Blue Cross Blue Shield of Florida and United Healthcare that will rider out certain medical conditions if they deem them to high risk.  For an example lets look at  45-F who is taking medication to control cholesterol.  United Healthcare(Golden Rule) will take this client on however not cover her cholesterol.

This means any doctor visits, testing, Rx, hospitilization etc. associated with her cholesterol will not be covered.

If you are taking any medication or have been diagnosed with any condition within the last 10 years I advise you to call our office before taking out a florida medical insurance.    Failure to not understand your policy or exclusion could result in possible bankruptcy.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health  insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

Tags: , , , , , , ,

Thursday, September 17th, 2009 Blog Posts Comments Off on What Exactly Does an “Exclusion” Rider Mean?