health insurance comparison

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

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?

Don’t Be Stupid, Make Sure You go with an A Rated Carrier

Browsing around today’s paper I came upon an article detailing how the FTC was trying to shut down CHBA(Consumer Health Benefits Association) for selling phone Florida Health Insurance or worse discount plans.  This coming only weeks after the banning the sales of AIM Health Plans.

Just who exactly are buying these plans?  The same people who go to McDonald’s each day and then wonder why they are putting on a few pounds.

Listen if your financial future is dependent on any of these carriers; Team Corp, New Era, Assurant Health Access, Health Option One, Mega Life, Midwest National, United American  etc run for the hills.  These plans are glorified discount plans and will put you in poor house or bankrupt.  Please make sure you speak with a licensed broker who only deals with A Rated Carriers through AM Best.

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

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Thursday, August 12th, 2010 Blog Posts Comments Off on Don’t Be Stupid, Make Sure You go with an A Rated Carrier

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/.

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Tuesday, August 3rd, 2010 Blog Posts 1 Comment

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

Group vs. Individual Health Insurance

When shopping for Florida health insurance it is prudent to first ask if you will need group or individual health insurance.

Group insurance is recommended for businesses over four employees and if someone has a pre-existing condition.  Since group insurance is guaranteed issue, they cannot turn you down for medical coverage.

Individual insurance is usally recommended for individuals, the self employed and those who do not get insurance for there employer.  Since these policies are medically underwritten they are most always less expensive then group insurance.

If you have any questions please contact 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 insuranceFlorida health insurance quotesFlorida life insurance,Florida life insurance quotesFlorida group health insurancevisit Floridahealthcareinsurance.com.

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Tuesday, April 6th, 2010 Blog Posts Comments Off on Group vs. Individual Health Insurance

When to Start Looking for a New Florida Health Insurance Policy

A common question I get from consumers is just when do I need to start shopping for Florida Health Insurance?

The simple answer is anytime.  If you are feeling you are paying to much for a policy get a quote from an established broker who can advise you whether or not your premium is to high or low.

Evan Tunis of Florida Healthcare Insurance says, “Many consumers keep paying their premiums without ever considering if they could get a better offer on the market.”  I have seen clients save thousands of dollars a year with just a simple phone call.”

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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Monday, April 5th, 2010 Blog Posts Comments Off on When to Start Looking for a New Florida Health Insurance Policy

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

Florida Healthcare Insurance

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Monday, March 22nd, 2010 Articles, Blog Posts Comments Off on How Health Insurance Reform will Affect Florida Residents

Aetna to Expand Individual Insurance to Monroe County

Aetna,  one of the largest providers of florida health insurance will begin offering covering for there individual plans in Monroe County on January 1st, 2010.

Traditionally the only providers in the Florida Keys have been: Blue Cross Blue Shield, United Healthcare, Cigna & Avalon Health.

To get a quote on an Aetna individual plan contact 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 insuranceFlorida health insurance quotesFlorida life insurance,Florida life insurance quotesFlorida group health insurance visit Floridahealthcareinsurance.com.

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Monday, December 7th, 2009 Blog Posts Comments Off on Aetna to Expand Individual Insurance to Monroe County

Can I get Florida Health Insurance with a Pregnant Spouse?

I had a client recently who was looking to get insurance for her husband. She was on her company’s works plan which was covering the cost of her upcoming baby. Since the cost of adding her husband to her companies plan was more then she could afford, she asked me if it were possible to get him on an individual plan.

My response to this client was NO. All carriers in Florida will NOT cover the baby because the husband can claim the baby as a dependent; which means the baby’s on the policy non-underwritten.

If you have any questions regarding maternity or Florida Health Insurance please contact Evan Tunis at 800.946.3157.

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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Monday, November 2nd, 2009 Blog Posts Comments Off on Can I get Florida Health Insurance with a Pregnant Spouse?