Florida group health insurance

Health care reform has an ugly side that people need to be aware of

Health care reform is touted as being a good thing. However, the industry is offering products that are not beneficial to consumers.

Many think health care reform will mean a healthier nation with more people getting access to health insurance. While that may be true to a certain extent, in reality, the insurance industry is beginning to see some unusual and not so beneficial products hit the marketplace; products that essentially mean those who buy them are buying something that is as good as having no Tampa health insurance. If you want to have your health care costs covered, in whole or in part, you need a traditional health insurance plan; it’s just that simple.

While it makes sense to save money by opting to buy a limited benefit plan or a discount medical plan, are you really saving any money in the long run? Chances are you are not saving money and may in fact be spending more money than you thought. Yes, even more money that it would cost you to get a proper Tampa health insurance plan.

The major problem is that today, many people shop for health coverage based solely on price. This is a major mistake, as more often than not, what you get is not what you thought you were getting, and you will not be covered for your expenses. In fact, you will be paying for your care with a medical discount plan – all of your care. Try figuring the expenses out for that over the period of a year and you’ll quickly find out you’d be paying more than you would pay for proper health insurance – the kind that pays your medical claims for you.

Which makes more sense economically? The answer is health insurance that actually pays out money on your behalf for your medical expenses. Joining a medical discount plan only gets you discounts on medical services and supplies. It does not pay out any money to you for a claim.

Think twice before you buy health insurance that is so cheap you are thrilled. It may end up that it isn’t health insurance and the costs are higher than what Tampa health insurance would be. In addition, you may also wind up with limited benefits; something that might backfire on you should you need coverage at some point in your life. Always be aware of what you are buying, your very health could depend on it.

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

Tags: , , , ,

Saturday, November 20th, 2010 Articles Comments Off on Health care reform has an ugly side that people need to be aware of

Don’t get a medical discount plan by mistake because it’s cheaper than health insurance

Be aware that medical discount plans are not health insurance. They do not do the same thing as Jacksonville health insurance either.

You’ve likely seen the ads on TV or even in print, touting the cost cutting convenience of medical discount plans. Please note before you read further, medical discount plans ARE NOT HEALTH INSURANCE. Furthermore, most hospitals and doctors do not have to honor medical discount plans and in many cases, they won’t.

The claims sure sound good by teasing people with one liners like: discounts of up to 60 percent, no deductible or co-pays and pre-existing conditions are no problem. Who wouldn’t want to save money on their health care costs these days? Look before you leap and find out exactly what it is you are buying before you buy it. If you don’t take that extra precautionary step, you might get an unexpected surprise later.

Medical discount programs come in many forms, ranging from a medical discount plan to a discount program or even a card. Financially, they’re attractive, there’s no getting around that. And, yes, medical discount plans may be of use to some consumers, but – and this is a huge but – they are not the same thing as health insurance. They do not pay any of your health care costs. Instead, you pay a fee for a list of health care service providers, etc. who are willing to give you a discount because you’re in a plan. In other words, you have no health care coverage – period.

Also, be very aware that some of the medical discount plans boast they provide huge discounts from hundreds of providers offering a wide variety of services. Quite often, there is no substance to these claims and you are paying a lot for virtually nothing. This isn’t to say that if you want other health care options that you shouldn’t check out medical discount plans. They may be what you want; but be cautious.

If you aren’t sure about the plans, call the state insurance commissioner and find out if they’re registered to sell health insurance in your state. If they aren’t, find someone else that sells Jacksonville health insurance and not a medical discount plan. In other words, if you want the insurance company to pay your medical bills (or portions thereof), you want a health insurance plan and NOT a discount plan.

If you don’t know which is which and can’t tell the difference between health insurance and a medical discount plan, call a licensed local Jacksonville health insurance agent/broker. They have all the information you need and can explain the differences. Their advice is free and it’s often advice that will save you money and get you a good deal on health insurance, NOT a medical discount plan.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida and Jacksonville health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com/jacksonville -insurance.html.

Tags: , , , ,

Tuesday, November 16th, 2010 Articles Comments Off on Don’t get a medical discount plan by mistake because it’s cheaper than health insurance

Health insurance covers those unexpected medical disasters

There are so many options to choose from these days for Tampa health insurance, it often gets confusing.

“There’s really no need to be confused when it comes to deciding what type of Tampa health insurance would work for you or your family. I’m a phone call away and know the market intimately. All we need to do is talk about your life situation and what you need to be covered. I take it from there and find what works for you and for your budget,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

If people initiate their own search for health insurance, one of the first things they need to do is try and figure out what they absolutely need, and then factor in things that would be nice to have if their budget can handle it. The search starts from this point. While there are a great number of options on the market, with time and patience, anyone can find what they need. Mostly.

“I say mostly because many of the subtler things that people need to know about a health insurance policy are not always online. There just isn’t the room to do that. So typically, the preferred rates are up online, because they’re lower. If Joe American wants that rate, then they need to be in tip top shape. Generally speaking, most people have a pre-existing condition and that will change their quote. This is why you need to call an agent and ask questions,” Tunis said.

Asking questions is the right way to get to the bottom of all the different policies to choose from for Miami health insurance. For example, if a person is taking medication for acid reflux or to keep the blood from coagulating too quickly, some insurance companies may decline to insure him or her, and others may issue a rider. Knowing what medications a person is taking is part of the whole decision making process when it comes to finding a suitable health insurance policy.

“If you’re stuck and don’t know for sure what would work for you, then call me. I am available to answer your questions and can definitely help you when you’re looking for a Tampa health insurance policy,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/tampa-insurance.html.

Tags: , , , ,

Monday, November 1st, 2010 Press Comments Off on Health insurance covers those unexpected medical disasters

Health insurance or bust, the new dilemma of the 21st century

If you don’t have Miami health insurance, you’re going to need it. Health care reform means everyone must have it eventually.

While paying for health insurance can be somewhat expensive, it’s something that you’ll need to cover those medical moments when life takes a slight turn for the worse. If you’ve ever been in a situation where you needed medical care and didn’t have insurance, you know firsthand what it’s like trying to pay the bill later. It’s sad, but true, that some people just shrug off their medical debts and let others pay for their care. Most people don’t want to be in that position.

One of the smartest things to do about health insurance is to start looking now and not wait until the last minute to get a Miami health insurance policy. Finding something now that suits your budget and needs is far better than trying to find something when everyone else is also looking at the same time. If you’re still of the mindset that you will wait to see what happens, that’s your choice. Just keep in mind that not having health insurance can be a real disadvantage if you get sick or into an accident.

When in doubt about where to find decent health insurance coverage that doesn’t cost you your firstborn, go online. There is a lot of valuable information out there these days, and it only takes a few minutes to find. Take your time. No one says you have to be in a hurry to choose a policy. Find out what is out there and then give some thought to what your situation is and what coverage you may need. This is where making lists comes in handy. When you’re done with surfing and making your list, compare some of the better policies you found.

Remember that you need to be comparing the same or similar policies for each quote you get. If you don’t do that, you’re likely get confused, because nothing will make sense. This is one of the major reasons why it’s a wise decision to talk to an insurance agent directly. They can point you in the right direction, help you sort out the different plans, assist you in meeting your budget guidelines and tell you which things you should likely have in your final policy choice.

You will likely want hospital coverage, even if you are fairly healthy. Life can and does turn on a dime and while you may not need hospital coverage today, you may tomorrow if you get into an accident. You can’t predict what will happen in the future medically. It’s like buying fire insurance for your house. You don’t think you’ll have a fire, but you don’t want to take that chance and get wiped out. This is the same thing with Miami health insurance. Get it today for protection for tomorrow and all of your future tomorrows.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida and Miami health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com/miami-insurance.html.

Tags: , , , ,

Sunday, October 31st, 2010 Articles Comments Off on Health insurance or bust, the new dilemma of the 21st century

Personal needs dictate what individual Fort Lauderdale health insurance you should buy

Sometimes it’s not all that easy to figure out what you need for individual health insurance. Research helps provide the right information.

Buying Fort Lauderdale health insurance isn’t always easy if you don’t know what you need. You do know for sure that you will need health insurance in the future, so it only makes sense to start looking for it now. One of the best ways to find out what works for you is to do your homework online, find some websites that provide instant quotes, filter the information based on your personal health and then make a call to the agent.

Agents can give you the inside scoop on what would work for you based on your geographic location because they know what hospitals are the best, who pays their claims and who doesn’t and what each doctor offers. It doesn’t matter why you don’t have health insurance right now, what matters is that you find something to cover you for those inevitable illnesses and accidents that happen in everyone’s life. Remember, being uninsured leaves you open to enormous medical bills when you need care, and paying those bills is going to be really difficult, if not impossible, if you don’t have much money.

One of the first things you will want to consider is the amount of the premium for Fort Lauderdale health insurance. While you can definitely find reasonable plans to suit your budget, be aware that if you opt for a very cheap plan, you may not get the coverage you think you’re going to get. Read the fine print so you don’t get surprises later.

X-ray coverage and prescription coverage are two very big things that most people want to have as part of their health insurance coverage. Don’t think you need X-ray coverage? What do you do if you break a wrist? You’d be paying for that out of your pocket if you don’t have coverage. X-rays are something that just about all people will need at some point in their lives. Make sure you have that option covered.

Another virtual inevitable in your life is requiring drugs, whether for a cold, sinus infection, acid reflux, gout, migraines or depression – just about everyone takes pills for something. If you want to be covered for the cost of drugs, then consider adding this to your Fort Lauderdale health insurance plan coverage. There are a variety of other things you may also want to consider, but might not be sure what they are. This is why you will want to spend some time talking to an expert insurance agent who knows what plans may suit you and what other things you will need to consider. It’s time well spent.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida and Fort Lauderdale health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com/fortlauderdale-insurance.html.

Tags: , , , ,

Saturday, October 30th, 2010 Articles 2 Comments

All health insurance policies have exclusions

Never assume that a health insurance policy covers everything. That’s not the case.

“When buying Florida health insurance, you want to make sure you know everything that is included in the policy for the simple reason that if you don’t check, you might get a nasty surprise later when you need coverage you thought you had, but don’t,” said Evan Tunis of Florida Health Care Insurance, of Delray Beach, Florida.

It’s a smart move to make sure you completely understand coverage issues and it saves you those embarrassing moments in a doctor’s office trying to figure out why they are billing far more than expected or why something that you thought was covered is not.

“Why should you be aware of what is in the four corners of your insurance policy? Right now, the economy is not that stable and as a net result, many carriers have modified their plans. That means existing policies might not be applicable any longer. This is one of the questions you need to ask your Florida health insurance agent,” Tunis said.

There are some things that savvy health insurance shoppers will want to know before making a final purchase. For instance, every policy has exclusions. That bears repeating – every policy has exclusions and they do not cover everything. Most carriers will provide the exclusion list and name the services not covered. “Make sure you read this and understand it,” Tunis said. “Some of the excluded options may include home care, convenience products (e.g. humidifiers), nursing care, elective abortion procedures and reconstructive or aesthetic cosmetic surgery. Yes, you can reduce the number of exclusions, but you would then be paying a higher premium,” he said.

Other ways to find affordable Florida health insurance are to try managed care plans. This is another option you might want to ask an insurance agent about. They have information on these types of plans, and the advice on what might be best to choose is free. “Or, have the insurance agent tailor plans to your family or individual needs and work to your budget. It can be done because the agent knows where to look and which carriers to choose,” Tunis said.

And last, but not least, do some comparison-shopping, but always use the same health information every time a Florida health insurance quote is requested. That way, there’s an accurate comparison of prices across the board.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

Tags: , , , ,

Thursday, September 30th, 2010 Press Comments Off on All health insurance policies have exclusions

Every health insurance policy has exclusions

Every health insurance policy has exclusions, and it’s a good idea to know what those happen to be. Also, know what your options are.

You finally decided to buy Florida health insurance and now have to make some decisions. Most of all, you need something that suits you and will cover all the various health contingencies that you feel are foreseeable. That’s a great place to start from, but what if you find out that the carrier you want to go with will exclude something you feel you will need coverage for later?

For example, what if you had knee surgery a couple of years ago and the carrier says they will not cover you for that because it’s too much of a risk for them to assume? What are your options now? In Florida, there is no such thing as a “risk pool,” so your options boil down to two choices. The first choice would be to go with the carrier you chose and hope nothing happens to your knee.

The second choice is to shop around for a carrier who will cover your knee. Shopping around will definitely find you an viable option, but trying to shop around on your own without knowing the carriers and what they will and won’t cover is a nightmare. This is the major reason why you will want to discuss your situation with a licensed expert Florida health insurance broker. One phone call is all it takes to find out who will take you, knee and all.

The benefits of talking directly to the insurance agent are that you know without a doubt where you stand, what will work for your circumstances, what is included in the policy you ultimately buy and how much to budget. The insurance agent is your connection to the insurance carriers, and he knows what each one offers and how that would fit with your situation. Talking directly to the agent will save you time trying to figure out which policy would do what. Besides, much of the material on a website may not even be applicable to your circumstances.

Be prepared to pay a bit extra when you go with the company that will assume the risk of you possibly having problems with your knee in the future. However, the extra price you pay is well worth the peace of mind in knowing that you are completely covered for the things that are important to you

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

Tags: , , , ,

Wednesday, September 15th, 2010 Articles Comments Off on Every health insurance policy has exclusions

Don’t buy life insurance by price alone

Life insurance is a considered purchase. Don’t buy by price alone.

“Searching for life insurance can be a difficult task if you don’t know what you are looking for. Life insurance policies are extremely varied and you really need to speak to a qualified life insurance agent in order to get the real scoop on the various policies. Online research is good, but it doesn’t always tell you what you need to know or how it does or does not fit your particular needs,” said Evan Tunis of Florida Health Care Insurance, of Delray Beach, Florida.

One of the best ways to do a search for affordable life insurance is to keep track of all the places checked out. “Make sure you have a list of the company names and the type of insurance you were looking at. This minimizes confusion later when you want to digest what you’ve seen and read. Make sure you also ask for quotes for the same type of policy. If you don’t you’ll be totally confused later,” Tunis said.

When the quotes start coming back from the companies, it’s best to take some time to read them closely. While many people don’t like to read the fine print and just go for the bottom line, as in how much it costs, this may cause problems later if the policy purchased is not one that the person wanted or even suits them. This is why it is critical for the person wanting the life insurance to know what the policy says.

“One other thing you may wish to check on is whether or not there is further underwriting involved so that the company can give you a more accurate quote. That means that the quote you did get was an average and may not reflect the price you would pay once the company knows your complete health history, etc.,” Tunis said.

It’s important to look at the terms and conditions of policies being considered because failing that, it’s a bit like comparing apples and oranges. If you spot differences in the quotes, the reason for that often has to do with differing terms and conditions.

“I can’t emphasize this enough, when it comes to an important product like life insurance, you need to know what you are getting and need to know that it meets your needs. Buying based on price alone is risky because you may not get what you wanted. Call me, I am here to answer your questions and would be happy to explain the various policies to you,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

Tags: , , , ,

Wednesday, September 8th, 2010 Press 1 Comment

Read about health insurance before you buy it

You wouldn’t buy a car without knowing what you were getting. Why buy health insurance without checking it out?

Any major consumer purchase, and yes, that includes Florida health insurance, is something that we need and can’t do without. Most often, before you shell out your hard earned cash on that deal of a lifetime, you find out everything you can about it, sometimes right down to whether or not it comes in other colors, has various options in place and whether or not it has a guarantee. In other words, you find out everything there is to know about the product before you buy it. Makes sense.

Why is it then that a great number of people who go to buy Florida health insurance don’t take the time to find out what they’re getting? At the very least, it would pay them to shop around for price breaks, not to mention take advantage of other benefits. After all, health care is vital to everyone because whether or not you have health insurance now, you will need it at some point in your life – guaranteed.

These days, there are a lot of people who need insurance, are about to buy insurance and who will be buying insurance before the mandatory requirement to have it kicks it. Keep in mind that you may buy insurance for what you need, and opt out on what you don’t need. You can customize your Florida health insurance to suit your needs, and that puts you in control of the bus and your budget.

Right now, insurance carriers are competing for new business and are often more willing to do a deal to suit the consumer. Whether this will last or not is an entirely different question. In any event, taking matters into your own hands and doing your research is a smart idea when it comes to buying Florida health insurance.

Once you have done your homework online, you would be smart to call the insurance agent directly and find out specifically what will work for your circumstances. There is only so much you can find out online, and the agent is a veritable walking encyclopedia of knowledge to help you. In addition, what you see online may not apply to you, so asking questions will fine-tune your requirements, leaving you with a policy that suits you to a “T,” because the insurance agent knew his stuff.

The trick to buying individual health insurance is getting only what you need, without any extra added coverage that you’ll likely never use, which would increase the premiums. You know best what you need, but again, if you hit a wall with the exceptions, exclusions and other unexplained terms and rules, make that call to an agent. Their advice is free and it’s well worth the time to save you money.

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: , , , ,

Monday, August 30th, 2010 Articles Comments Off on Read about health insurance before you buy it

Don’t Be Stupid, Make Sure You go with an A Rated Carrier

Browsing around today’s paper I came upon an article detailing how the FTC was trying to shut down CHBA(Consumer Health Benefits Association) for selling phone Florida Health Insurance or worse discount plans.  This coming only weeks after the banning the sales of AIM Health Plans.

Just who exactly are buying these plans?  The same people who go to McDonald’s each day and then wonder why they are putting on a few pounds.

Listen if your financial future is dependent on any of these carriers; Team Corp, New Era, Assurant Health Access, Health Option One, Mega Life, Midwest National, United American  etc run for the hills.  These plans are glorified discount plans and will put you in poor house or bankrupt.  Please make sure you speak with a licensed broker who only deals with A Rated Carriers through AM Best.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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

Thursday, August 12th, 2010 Blog Posts Comments Off on Don’t Be Stupid, Make Sure You go with an A Rated Carrier