Florida home insurance

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

Need Medicare Assistance, Just Ask

If you are approaching the age of 65 or have already reached this age you have probably been inundated with offers regarding Medicare Advantage and Medicare Supplements.

But which plan is right for you?

Simply give us a call at 561.637.8162 and we will do a thorough analysis of your budget and needs and match you up with the proper Medicare Supplement.

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Tuesday, June 1st, 2010 Blog Posts Comments Off on Need Medicare Assistance, Just Ask

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

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

Get Your Quote from the Broker Who Owns the Website

Surfing the Net and find a great site with good information? Then call the broker who owns the site for more information.

I don’t know how many times I have heard this refrain from people trying to buy insurance online: “I hate talking to insurance agents on the phone.” While that might be the case, if you get a quote from an online insurance company, it only makes sense to pick up the phone and call them. Who better is there to answer your questions?

Sure it’s sometimes difficult to just talk to a stranger about your personal health conditions, but if you need insurance, this is what you have to do to get what you want. If you want a health insurance package that makes sense for you, or for you and your family, calling the broker to get more in-depth information is a smart move.

You want to get a quote from a professional looking website; one that is clean and easy to navigate and has lots of interesting information on it. But more that than, you want to get an instance quote; a quote that is relevant to the area in which you live. Why focus on the area where you live? Quotes from health insurance brokers/agents where you live are much more relevant in terms of being tailor-made to your needs.

Big box insurance companies online can still sell you policies, but they have no clue, and could care less, about what hospitals in your area are the best, which doctors provide various services in demand and which don’t; and more importantly, who pays their claims on time and who does not. This is insider information that a local agent would have.

The local agent knows their area inside out, and once they know what you are looking for in terms of a reasonable health insurance package and they know your medical concerns, they can find you the best deal locally. It’s very smart to do a deal for health insurance locally, and then be able to get personal service later. Those are the two things for which people surfing the Net for insurance want to find: a good package for a reasonable price and personal service.

So the next time you happen to be surfing online for a health insurance broker, choose a site that really has a professional presence, has good information that you can use right away (even if you don’t buy insurance yet), offers you good service and is local. Calling that local broker will be the best financial decision you ever made.

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

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Sunday, March 7th, 2010 Articles Comments Off on Get Your Quote from the Broker Who Owns the Website