Florida health insurance

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.

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Monday, January 23rd, 2017 Blog Posts Comments Off on Let’s Talk Short Term Medical 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?

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

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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

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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?

Why You Should Avoid Instant Health Insurance Quotes

If you have ever looked for Florida Health Insurance the results can be daunting.  With an average of around 6-7 carriers and 100 plans many are left to throw up there hands or just submit there info for instant quotes.  The problem with these quotes include:

  • Quotes are only quoted for “Preferred Basis”.  Thus if you take any medication you most likely will not get this rate.
  • If you don’t have insurance you will pay more.  Quotes are only shown that include you currently having insurance if you don’t well expect to pay more.

Evan Tunis, owner of Florida Healthcare Insurance, advises all of his clients to ignore instant quotes and give him a call.  According to Tunis, “I will never email a quote without first speaking to any potential clients.  Its a waste of both of our time.”

Tunis recommends anyone looking for Florida Health Insurance to look for a broker that works with every carrier in the state and knows the underwriting of these particular carriers inside and out.

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

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Wednesday, February 29th, 2012 Blog Posts Comments Off on Why You Should Avoid Instant Health Insurance Quotes

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