florida health rates

20 Days Left in Open Enrollment

Hello Everyone,

If you are not aware health insurance open enrollment is more than half way over.  In fact we only have 20 days left.

If you have but your renewal in a drawer and covered your eyes or want to see other insurance options please let  us know.  We work with all of the major carriers and will work with whatever budget/needs you may have.

Florida Healthcare Insurance will be working 7 days a week to accomodate everyone so please give us a call at 561.637.8162.

Evan Tunis, Owner Florida Healthcare Insurance.

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Saturday, November 25th, 2017 Blog Posts Comments Off on 20 Days Left in Open Enrollment

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?

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?

5 Conditions that raise Florida Life Insurance Rates Most

When it comes to Florida Life Insurance your health is the main factor in your premium.  Fact, the healthier and more active you are the cheaper your rates will be.

Here are the Five Things that will will raise the price for your Florida Life Insurance

1. Heart Disease

2. Diabetes

3.  Cancer

4.  Obesity

5.  Pulmonary Disease

For more information of Florida Life Insurance please contact Evan Tunis at 800.946.3157

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Wednesday, August 4th, 2010 Blog Posts Comments Off on 5 Conditions that raise Florida Life Insurance Rates Most

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

After You Say “I Do” Make Sure You Insure

One of the best moments in persons life is the day of their wedding.  Surrounded by family and friends it is a decleration of two people declaring their love and devotion to each other.

Yet it is suprising how many newlyweds often fail to properly insure themselves and their spouses when they do get married.  According to Evan Tunis of Florida Healthcare Insurance,

“When individuals get married they suddenly share everything from a home to bills.  Yet what would happen if something tragic were to happen to one person?  It could be financially devasting to the relationship or the person left behind in case of death.

Tunis recommends at  getting Florida health insurance as well as  a term life policy to protect  each spouse.  Both of these things are quite affordable and easily accessible.

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 13th, 2010 Blog Posts Comments Off on After You Say “I Do” Make Sure You Insure

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?