florida long term care
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/.
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/.
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
Changes in Florida Health Insurance Continue to Occur
What the House Healthcare Bill Means for Florida Health Insurance
A few days ago the House of Represenatives released there own version of Healthcare reform. The bill is close to 1900 pages long and would take at least a few hours to understand every little provision. So we went ahead and did the work and condescend it to a few key points. What does this mean for Florida Health Insurance?
PUBLC OPTION:
*Only sold in exchange
*Abide by all rules private carriers must follow
*Offer Basic, Enhanced and Premium plans
*Geographically adjust premiums in same manner as private plans
*Rates must fully finance costs
*No bailout provision - cannot get additional Federal funding to pay claims
*2 billion to fund private option
*Medicare docs are in network unless they opt out
*No punishment for docs who opt out
*Annual enrollment period where docs can opt in or out
Coverage Sold in the Exchange
*No pre-ex exclusions
*2:1 max rating based on age
*Area rating allowed as specified by the Commissioner
*Individual premiums “uniform” with family premiums
*Dependent age to 27
*Carrier’s rates must be approved before allowed into the exchange
As it currently stands there is no definitive answer on how this will effect Florida Health Insurance.
As always we will keep you posted on the public reform as it relates to Florida Health Insurance.
To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance,Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.
Reevalute Your Life Insurance
As retirement age approaches, it’s usually a good time to reassess your florida life insurance policies to see if your needs have changed. Especially if your insurance premiums are high, you may be tempted to cancel the policy, take the cash surrender value, and enjoy retirement. Before doing that, however, make sure there aren’t other uses for your life insurance policy, such as:
- To leave a legacy to heirs-
Even if the money isn’t needed for your children’s support after your death, many people like the thought of leaving a large inheritance to their children or grandchildren.
- To pay your grandchildren’s college expenses
With the rapidly increasing costs of college making it more and more difficult for parents to cover this cost, you might want to use an insurance policy as a college fund for your grandchildren.
- To support adult children
There are a variety of reason why you might want to provide financial help to an adult child. Perhaps your child is a doctor, but has significant debt from college. Or your child might work at a job that doesn’t pay a substantial amount of money.
- To help with long term care costs
Many individuals don’t purchase long term care insurance believing their spouse will take care of them. However, when one spouse dies, there may not be anyone to take of the surviving spouse. The proceeds of a life insurance policy can be used to provide long term care for the surviving spouse.
- To optimize pension benefits
When retiring, irrevocable decisions about pension plan benefit payments must typically be made. You could use the proceeds for a life insurance policy as a source of income for your spouse after your death.
To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.
Understanding The Difference between Life Insurance and Long Term Care
When thinking about retirement and estate planning two of the biggest things that are needed are life insurance and long term care. But Just are the major differences and what does long term care cover?
Life insurance is meant as protection for a family. Long Term Care Insurance is in many ways like life insurance as it protects the family from the crisis that occurs when a family member needs care. Families are generally the first line of assistance when someone needs care. The responsibilities of the family include physical, emotional as well as financially.
If you would like to learn more about long term care or life insurance please contact Evan Tunis, owner of Florida Healthcare Insurance at 800.946.3157.