florida life quotes

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

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

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/.

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

Say Goodbye To Child Only Policies in Florida

On July 12th, Blue Cross & Blue Shield of Florida will discontinue all new sales of Child Only policies.  Blue Cross joins United Healthcare(Golden Rule), Assurant Healthcare and most other large carriers who have already made these changes.

Currently only Humana stands as the last company to offer these policies.  If you have a child who needs an insurance policy  please give us a call at 800.946.3157 or visit our website at www.floridahealthcareinsurance.com

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, July 9th, 2010 Blog Posts Comments Off on Say Goodbye To Child Only Policies in Florida

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/.

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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

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

Changes in Florida Health Insurance Continue to Occur

In Florida, sever health insurance carriers have already stopped offering maternity benefits and 2 year rate guarantees. At Florida Healthcare Insurance, we suspect premiums are going to begin increasing due to the risk being forced on the insurers.  As time goes on, we will see more changes.  The plans offered today will not look the same shortly.  The climate has changed dramatically. WE HAVE BEEN PREPARING for some time for this. We have positioned ourselves to do business ONLY with those A Rated Health insurance companies who are also prepared and positioned to survive the coming changes.
To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Monday, May 17th, 2010 Blog Posts Comments Off on Changes in Florida Health Insurance Continue to Occur

Avoiding These Florida Life Insurance Mistakes

  • Not considering life insurance at all. Life insurance forces us to take a look at our own mortality, a subject most people would prefer to ignore.  In fact, one third of all adults have no life insurance at all.
  • Relying on rules of thumb. When d eciding how much life insurance you need, avoid common rules of thumb, such as five to 10 times your annual salary.  These are general guidelines and are not meant to be a definitive guide to the amount of coverage you need.  You need to determine how much money your family requires annually to maintain their standard of living and how long they will need that money.  Once you have these estimates, you can more accurately calculate the amount of Florida life insurance coverage for your family’s situation.
  • Not evaluating your situation periodically. Your life insurance needs are likely to change over time.  Thus, you should periodically review your needs to see if changes are warranted.

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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Wednesday, March 31st, 2010 Blog Posts Comments Off on Avoiding These Florida Life Insurance Mistakes