Florida health insurance quotes

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

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)?

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

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

Are My Kids Allowed to by on My Subsidized Obamacare Plan?

The ACA(Affordable Care Act) is many things.  Saviour to somce an abomination to others.  What is isn’t is a place to find health insurance for your kids.

Evan Tunis, Owner of Florida Healthcare Insurance explains, if a family applies for a subsidy with kids under 18 the kids are automatically routed to a states CHIP or here in Florida Healthy Kids.   Kids are not eligible for reduced cost sharing as well.  For parents this creates a tough dilemma as the family is split up into different insurance carriers.

Tunis explains if you are going to get an ACA with a subsidy please be aware that kids will not be on the plan.

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/

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Monday, January 27th, 2014 Blog Posts Comments Off on Are My Kids Allowed to by on My Subsidized Obamacare Plan?

Does my ACA Insurance Plan(Obamacare) use a different network?

For many shopping on healthcare.gov can be quite an ordeal.  There is the identity verification, projected verification, etc that all must be answered before a subsidy is even shown.

More importantly if you want to get a plan on the exchange the network might be different then if you  were to shop privately.  For example on the exchange Humana is offering an HMO with a network that uses only three hospital in Miami & Broward County.  However if you go off the exchange you can get a Humana POS with a much broader network.

Before considering a plan make sure you look at the network and confirm at minimum that your hosptials are in-network.

For any questions on Obamacare plans in Florida contact Evan Tunis at 561.637.8162.

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Friday, January 24th, 2014 Blog Posts Comments Off on Does my ACA Insurance Plan(Obamacare) use a different network?

What’s the lowest Priced Health Insurance in Florida?

A common question amongst potential clients are what is the lowest cost Florida Health Insurance in my area.  The answers vary;

That being said we have come up with charts of all of the various carriers in the Miami, West Palm Beach, Fort Myers, Orlando, and Jacksonville area and will be more then happy to share our answers with you.

If you are in need of new Florida Health Insurance or would like a quote please give us a call at 800.946.3157.

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, May 13th, 2011 Blog Posts Comments Off on What’s the lowest Priced Health Insurance in Florida?

Floridahealthcare Insurance Says No One Can Foretell Health Insurance Needs

If there is one thing in life that people can count on, it is that life is not predictable. While it makes living exciting at times, it can be a problem health-wise if you do not have insurance.

“While a lot of people figure they will be just fine when it comes to not having Florida Keys health insurance, the truth is, no one really knows for sure what will happen in life. They may have an accident, break a leg, contract pneumonia or be diagnosed with asthma. Guessing how healthy you are going to be is a little like playing Russian roulette. You may not get the bullet and then again, you may, so why take chances with your health?” asked Evan Tunis, Evan Tunis of Florida Healthcare Insurance, Delray Beach, Florida.

If people are uncertain of what they need for health coverage, they will be heartened to know that there are a wide variety of options available to them on the market. If price is a concern, it is quite possible to find suitable Florida Keys health insurance at a reasonable price. “You need to know what you are looking for, what your budget is, what you need in terms of care and that includes pre-existing conditions and how often you usually see a doctor a year,” Tunis said.

For those looking for health insurance for their families, the best place to start looking is by making a list of what is needed. That may include the medical conditions of all family members, their drugs and how often they see a doctor. Everyone has different needs and the idea is to find something that covers as many of those needs as possible.

When looking online for various Florida Keys health insurance plans, find out precisely what kinds of plans are out there that would suit a family situation. There may be various routes to choose here as well. “For instance, if you are employed, you might get less expensive coverage through work. If not, you will want to speak directly to your local health insurance specialist for help. That’s my job, and I can assist you in finding what you need, quickly and for a reasonable price,” Tunis said.

It is always helpful to check into what the limitations are for each plan under consideration. Every plan has some restrictions, but they are not always the same, so it is wise to know what those are, particularly if there are family members with pre-existing conditions. To that end, also be on the lookout for plans to take care of prescriptions. “If you and/or anyone in the family are taking pills, this needs to be factored into the health insurance coverage equation as well,” Tunis said.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida and Florida Keys health insurance quotes. To learn more about Florida health insurance, visit http://floridahealthcareinsurance.com/floridakeys -insurance.html

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Monday, January 31st, 2011 Articles Comments Off on Floridahealthcare Insurance Says No One Can Foretell Health Insurance Needs

Have Fort Lauderdale Health Insurance Like House Insurance

Having Fort Lauderdale health insurance is crucial for those inevitable life events that need medical care.

There are a great number of Americans who wonder why they should bother to have health insurance, as they don’t think they will ever use it. In other words, why are they shelling out good money every month for something they aren’t using or benefitting from right away?

It’s like having house insurance. You don’t see a benefit from it right away, but if something happens, like a fire, then you know what the benefits are immediately when you file a claim. It’s the same thing with Fort Lauderdale health insurance; without it you could be financially wiped out with one accident or illness.

Fort Lauderdale health insurance just isn’t something that people purchase and then use right away. It can’t be consumed like a product you buy. Instead, consider it an investment; an investment in your long-term good health. If you need it, it will be there to cover you for medical expenses.

The other thing to remember is that by buying health insurance, you are protecting yourself against medical risks; just like buying house insurance to protect against the risk of fire, etc. If you don’t have insurance, the cost is devastating. With insurance, the costs are less and you could at least manage to handle some of the financial fallout.

Could you go through life not have anything happen to you medically? Sure you could, but that doesn’t happen often, as people do get older and their health changes. That’s life. For those who choose to not buy health insurance and instead save the money, remember this, the first time you need a doctor, you will be forking over every penny you had saved and then some to cover that one bill. Then where are you? Right; right back where you started from, no insurance and now, no money.

The last thing anyone needs is a major financial setback in this economy. Think ahead, plan for the future, get the right kind of health insurance to deal with any possible medical problems and know that should something go wrong, you’re covered and won’t be financially destitute.

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.

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Monday, January 10th, 2011 Articles Comments Off on Have Fort Lauderdale Health Insurance Like House Insurance

Individual Cape Coral Health Insurance Plans Do Not Need To Be Expensive

While people tend to think twice before buying health insurance because of the price, individual health plans do not need to be expensive.

It’s a fact that a large number of companies are no longer offering health coverage because it costs them too much money. This means there are a lot of people who need to find individual Cape Coral health insurance plans to suit their needs. While it takes a bit of time to find specifically what you want, there is something out there for you. If you are having problems finding something, then talk to the health insurance expert who can find you coverage quickly. After all, they know their business inside out.

One of the first things you need to consider before shopping for Cape Coral health insurance is your budget. Figure out what you can pay each month and still be comfortable and have any emergencies covered. Your premiums will not be what you paid at work, because that was group insurance and less expensive. Just let the insurance agent know your budget and they’ll find what you need, if you need help.

While it’s great to search online for Cape Coral health insurance, you really need to be dealing directly with a local independent insurance agent. They work with a large number of insurance carriers in your area and can help you with the application process and answer those “what if” questions we all tend to have about health insurance. The other primary reason for dealing locally is that you will get great service if you have a claim or billing question.

Before calling the local health insurance agent, have in mind where you want to go if you need a hospital stay – the community hospital or the nearest big hospital. Do you want to stay with a certain physician? Write this down and discuss it with the expert agent. Many insurance carriers have discounted networks and thus lower costs for your plan, but you will have a limited choice in medical providers.

Take into consideration what you might be paying out in an emergency situation. Find out which ERs are covered. Find out about Urgent Care as well, because using Urgent Care is often far less expensive than the ER. And don’t forget about prescriptions. Many policies will have a lower priced premium if you use generic drugs only. If you are self-employed though, hedge your bets and go with brand name coverage; it’s worth the few extra dollars, just in case.

No matter what you need for Cape Coral health insurance, it can be found. All you have to do is ask your local professional health insurance agent.

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

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Saturday, January 1st, 2011 Articles Comments Off on Individual Cape Coral Health Insurance Plans Do Not Need To Be Expensive