florida health reform

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.

Tags: , , , , , , , ,

Thursday, January 19th, 2017 Blog Posts Comments Off on Pricing and Health Insurance

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.

Tags: , , , , , , , , ,

Tuesday, February 18th, 2014 Blog Posts Comments Off on What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?

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.

Tags: , , , , , , , , ,

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

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

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

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/.

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

Monday, August 2nd, 2010 Blog Posts Comments Off on Expect Longer Underwriting Times for Florida Health Insurance

Quick Ways to Save on Florida Health Insurance

  • Have Previous Insurance: Many carriers charge quite a bit less if you have previous florida health insurance.  For example if you are considering a United Health One policy you will save 7% if you have previous health insurance.  This can include a short term medical plan or even a discount plan.
  • Switch from Brand Name to Generic Medication:  If you are applying for new medical insurance and take brand name medication you will pay signifigantly more then if you take generic medication.  Several carriers will not rate you up if you take generic medication however all will raise your rates if you take expensive brand name medications.
  • Go with a Higher Deductible:  Rates drop dramatically when you move from a $1,000 deductible to a $2,500 or even $5,000 deductible.  In addition with the savings you can apply for an accident insurance or critical illness policy that will pay all of your deductible.

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, July 20th, 2010 Blog Posts Comments Off on Quick Ways to Save on Florida Health Insurance

Florida Health Insurance Rates Expected to Rise

With Healthcare Reform already passed an unexpected consequence has begun to occur: the rising of health insurance premiums.  Beginning in January of 2011 all carriers are required to have their medical loss ratio(MLR) be equal to 80%.

What does this mean for the consumer?  Carriers need to make up for you loss of profit  and since guaranteed issue Florida health insurance won’t occur till 2014 this is one of the few options carriers have.

So if you are thinking about getting health insurance or want to see if you can get a cheaper plan it is better to act sooner rather than later.

For more information call Evan Tunis 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, visithttp://www.floridahealthcareinsurance.com/.

Tags: , , , , , , , , ,

Sunday, June 13th, 2010 Blog Posts Comments Off on Florida Health Insurance Rates Expected to Rise

Why you need Life Insurance Today

If you just about hit delete when you saw the title, HANG ON, I’m really serious about this for a very good reason. Prices for (meaning the premiums you pay) on term or non-permanent life insurance have plummeted just about 70% since they hit an all time high in the mid-90s. This trend just started to reverse and sneak up about 5% to 10% at the beginning of the year.

Wondering why the rates fell in the first place and if they could just stay down? Well, for term life insurance, the rates dropped for a number of reasons and the major one is that we’re living longer. If you outlive your term (number of years) the policy expires and you get paid absolutely nothing. What happened was that more people lived longer and their money went to the insurance company. When the insurance company made more money, they lowered their rates – a bonus to you.

Another reason term insurance premiums dropped is thanks to the Internet. Online shoppers started doing price comparisons while they were at home. Good for the shopper, but not so good for the insurance company who was losing business to the competition. The prices started coming down to be competitive which in the long run benefited everyone.

And the last reason why prices fell is linked to the stock market. What? At one time stock prices were fantastic and they aren’t now. What do stock prices have to do with insurance premiums? When insurance companies make money, they invest it. Their returns on investments offset insurance costs – or they have until the boom went bust. During the boom, insurance companies made money and that meant they could charge lower premiums. Since the stock market isn’t so attractive these days, premiums are starting to rise. The offset money has to come from someplace.

And here is what you need to know to make an informed decision about life insurance: the prices are at an all time low, but about to start going back up. To get what you need now would cost you less than if you waited. I’m here to answer your questions. Call me and we’ll talk.

To Your Health,

Evan Tunis

Florida Healthcare Insurance

561.637.8162/800.946.3157

evan@floridahealthcareinsurance.com

Tags: , , , , , , , ,

Thursday, May 20th, 2010 Blog Posts Comments Off on Why you need Life Insurance Today

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