Florida life insurance quotes

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’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

Changing Florida Life Insurance Needs

Just Starting Out- Young, single adults may have little need for life insurance since they have no major debts an no one else counting on their income.

Two Incomes with Children- This is typically the time when your Florida Life Insurance needs are the greatest, since family members are depending on your income.  The death of either spouse can create a financial hardship.

Middle age with Children- You should reassess your Florida Life Insurance again as your children approach college age, since you may need  to increase coverage to fund their educations.

Children out of college- Your need for life insurance may decrease when your children may decrease when your children become independent.  On the other hand, you may find you now have different needs for insurance.

To learn more about Florida Life  insurance, visit http://www.floridahealthcareinsurance.com/ or call us at 800.946.3157.

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Tuesday, January 4th, 2011 Articles Comments Off on Changing Florida Life Insurance Needs

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

No One Knows the Future of Tallahassee Health Insurance Says Florida Healthcare Insurance of Delray Beach

Life is unpredictable. Without health insurance, it becomes even more of a moving target when medical expenses arise.

“It goes without saying that these days, people really do need health insurance, because you just don’t know what will happen today, tomorrow, next week, next month or next year. If you don’t have the proper health insurance coverage, you will be left holding an enormous medical bill if something bad happens and you likely won’t be able to pay it,” said Evan Tunis of Florida Healthcare Insurance, Delray Beach, Florida.

While many Americans struggle with the specter of compulsory health insurance in the years to come, they worry about how they will pay for it. They have enough on their plate right now, without trying to find the extra cash to pay for health insurance premiums. Their primary goal, in many cases, is to just get food on the table and keep a roof over their heads.

“But, therein lies a real dilemma,” Tunis said. “If one of the parents gets sick and needs medical care, their budget is completely blown and they may not be able to pay the bill. If they had Tallahassee health insurance, they would have likely be able to deal with the bill without going under financially.”

The best solution to the fear of being taken ill and being unable to deal with the expenses is to get health insurance. There are a number of factors to consider before anyone does ultimately choose what they think will work for them. For instance, anyone needing health insurance really needs to be aware of what coverage they really need. That may include coverage for unexpected medical issues because of an accident or coverage for an unexpected health condition that could happen to anyone, such as diabetes.

Shop around for various providers. Ask questions. Take notes. Compare policies. “Ask more questions and you will find something that fits your budget. Certainly, cost is a major consideration these days and you need to find something that you are able to manage,” Tunis said. “Those on a budget need to discuss this with the health insurance agent, so that they know what your parameters are when they look for policies for you.”

Something else that really does need to be taken into consideration is the customer service offered by the insurance company. “It’s interesting, because most people don’t even think about this, but you should, because if you have to make a claim, have a problem or a question, you will want help when you call. If you can’t get good service up front when you’re shopping for a policy, think twice about spending your money with that company,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/orlando -insurance.html.

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Wednesday, December 15th, 2010 Press Comments Off on No One Knows the Future of Tallahassee Health Insurance Says Florida Healthcare Insurance of Delray Beach

The Irony Of Not Having Miami Health Insurance

One of the hottest topics today is health insurance. Mostly, that is because of the cost of health care these days.

Virtually everywhere you go, you see, hear, read or talk about health care reform, health care in general and health insurance in particular – as in, whether or not you do or don’t have Miami health insurance. Health insurance is a hot button topic in more ways than one, but that’s nothing new. What is new in the health care mixture is the addition of health care reform and the eventuality of having to buy a health insurance policy in the future.

In the meantime, does health care reform address the cost of medical treatments? No, not really, as the costs are still going up and it seems like they will be in the foreseeable future. And really, why wouldn’t they when the insurance companies are supposed to give more benefits (an 80 percent loss ratio) to the consumers? Giving more benefits to the consumers means the cost of health insurance will go up too, to cover the shortfall. And yet, we still need Miami health insurance to be able to pay our medical bills when they arrive.

At some point in your life, you will have a medical emergency and we all know those can be financially draining, even with health insurance. Although many people don’t like to plan for disaster and illness, it is a very wise move to have the right kind of Miami health insurance to cover you when your medical moment arrives.

What you choose is largely a function of what you need for your current lifestyle and family situation, but if you are not sure what would work for you, you can always consult with a health insurance expert. The more information you have, the better informed you are. The better informed you are, the better health insurance you choose.

The irony today when it comes to health insurance comes from those who think they do not need it and they can save money by not paying premiums. That is all well and good until something happens and they do not have insurance coverage. What they may have saved plus a whole lot more will need to be paid out to cover for medical expenses. Is it really wise to not have health insurance when even the cost of sprained ankle could wipe out your bank account?

Health insurance issues these days are volatile, and for many, frightening. They do not need to be scary, not when you have access to a knowledgeable and skilled health insurance agent who will shop what you need for you. This is the best way to save money on Miami health insurance, because you will be covered when you need to be.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida and Miami health insurance quotes. To learn more about Florida health insurance, visit Florida and Miami health insurance quotes”>Floridahealthcareinsurance.com/miami -insurance.html.

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Wednesday, December 15th, 2010 Articles Comments Off on The Irony Of Not Having Miami Health Insurance

Sarasota Health Insurance Is A Crucial Investment In Your Wellbeing

The best investment you could ever make in life is to protect your health. Sarasota health insurance would fit the bill perfectly.

Hands down, purchasing health insurance is one of the best things you can do for yourself. Everyone should protect their health, as it is the most valuable thing they “own.” Without your health, who will take care of you? Who will pay your bills if you don’t have health insurance? How will you manage in the world without adequate health insurance? These are tough and thought provoking questions. Do you have ready answers?

Many people do not have answers, because there are a lot who think they don’t need health insurance, because they’re just fine – right now. That does not mean they will always be fine. No one really knows from one minute to the next what will happen to our health. But what we do know is this: if you don’t have Sarasota health insurance and you get sick, need emergency medical care or land in hospital, your medical bills will be through the roof.

You’re right, there is no crystal ball that says tomorrow you will break your wrist, get pneumonia or be involved in an 18-wheeler wreck, so why worry about life’s “what if’s?” You worry about them because if you don’t, and you need medical care, there is nothing in place to pay your bills.

Can’t afford health insurance, you say? Actually, you can’t afford not to have health insurance, because with it, you would at least stand a chance of paying any medical bills incurred on your behalf. Yes, you might also need to pay some out-of-pocket expenses, but that would be nothing compared to the full bill you’d have to pay if you did not have health insurance.

This is a bit like the doctor advising an overweight patient to exercise and the patient starting to make excuses for why they can’t do that. To which the doctor replies: “What works best for your timetable, exercising an hour a day or being dead 24 hours a day?” It puts things into perspective doesn’t it? In other words, to protect your health for a reasonable price, you need to have health insurance coverage. There are no ifs, ands or buts here.

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

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Thursday, December 2nd, 2010 Articles Comments Off on Sarasota Health Insurance Is A Crucial Investment In Your Wellbeing

Florida Health Care Insurance Reminds Clients That Divorce May Discontinue Coverage

People don’t give their Orlando health insurance too much thought when filing for divorce. However, arrangements will need to be made to continue coverage.

“When people get married, they usually figure they’re going to be together for a long time to come. Unfortunately, these days, the divorce rates are quite high. One casualty of the divorce that people don’t tend to think about is their Orlando health insurance,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Whether a person is covered by their spouse’s insurance policy through their job or the insurance was bought from a private company, the spouses need to make some kind of arrangements about continued health insurance coverage. “If you’re wondering what you can do in a situation like this, I have a few tips that might come in handy. One of those tips is to join COBRA, but, only if you have a pre-existing condition. This federal law lets employees keep their health insurance coverage under an employer’s plan just so long as they keep paying the premium,” Tunis said.

Of interest is also the fact that the law allows spouses and other family members to keep getting coverage for up to three years after a divorce. “Yes, the premiums for COBRA are pricey, but if you are stuck, you at least have the option open until you can find Orlando health insurance through other means. This is really useful for those with pre-existing conditions; people who may have problems getting insurance from someone else,” Tunis said.

“Another thing to try is buying your own health insurance,” Tunis said. “Ask your employer if you can get on your company health plan, if they happen to have one. Don’t be too surprised to find out they may have a specific enrollment period to add new members. No company plan? Then you may need to opt for an individual Orlando health insurance policy, which is quite a liberating move when you’re involved in a divorce situation.”

When all else fails, there is the option of requesting a spouse keep the other member on their insurance policy. In other words, it would be mandated through the provisions of the divorce. This is a wise move if there are kids involved. In the alternative, a sum of money can be requested to help pay for insurance.

“For example, if you buy individual health insurance, you could ask that your spouse pay half. Make sure you have a good divorce lawyer in situations like this,” Tunis said.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/orlando -insurance.html.

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Tuesday, November 30th, 2010 Press Comments Off on Florida Health Care Insurance Reminds Clients That Divorce May Discontinue Coverage