florida public option
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/.
How Health Insurance Reform will Affect Florida Residents
Since yesterday night we have been receiving calls on just how the new health reform will effect Florida Residents. Here are a few questions and answers.
Will the new law cover pre-existing conditions? The good news is yes it will. However if you are looking for a plan today, keep waiting we are looking at the year 2013 at a minimum for a major medical to cover pre-existing conditions.
Will there be lifetime limits on my new policy? The short answer is NO. All policies will have no lifetime limit.
If you have any questions regarding the reform or would like a quote on a new policy please call us at 800.946.3157.
To Your Health,
Evan Tunis
800.946.3157/561.201.8387
evan@floridahealthcareinsurance
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.
“Even with the Public Option, You Need Florida Health Insurance for the Next Four Years”
Even with the Public Option, You Need Florida Health Insurance since the “exchange” and public option, if passed, won’t be available for 4 years.
Under both the House and Senate versions of the healthcare reform implementation will not occur till at least 2013.
The House bill doesn’t even require full funding until 2019.
If you are waiting on the public option to get Florida Health Insurance you will be waiting for at least 4 years so give us a call and let us see how we can help.
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
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