health insurance comparison
An Analogy for the company’s we choose to work with!
Earlier this week I was working with a client talking about Florida Life Insurance. The question came up as to why our agency works with some companies which may be more expensive then others.
This was my response:
Why do people buy so many Toyota’s and no the cheaper model that is out there? Would it be because it has more features, seems to have fewer problems, offer the peace of mind and security that you want from something that protects your loved ones when they need it most. What about good service and low mainteance? And what if there is a problem. Don’t you want a company you know will stand behind their product and whatever they need to do what is best for the consumer. A car company that gives you the most bang for your buck without spending more than you need to. Well that is exactly the guidelines we look for when we choose the companies we choose.
Not always the cheapest but the most bang for your buck. The company we know will do what is right for their clients and the companies we can get things done with if things need to get done.
In other words, for the companies I was discussing with this client, the more expensive term company also provided more flexibility to both their term coverage and Return of Premium term products that other companies do not.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida life insurance quotes. 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.
How A Visit to your Doctor could make you Ineligible for Health Insurance.
Next time you are at the doctor’s office and he advises a RX drug make sure it is only needed out of necessity.
There are certain medications such as (Oxycontin, Coumadin, Metformin) that if show up on an MIB(Medical Information Bureau) hit you will be denied florida health insurance.
For more information please contact Evan Tunis at 800.946.3157 or email at evan@floridahealthcareinsurance.com
Why You Should NEVER purchase AIG/ Homeland/ AIM/ Cinergy Health Products
Just this past week I had a client reply to me that they wished to switch from their major medical United Healthcare product to a product from Cinergy Health. While these carriers have clever marketing campaigns that make it seem like they are major medical plans they are anything but.
Here are a few reasons to avoid these plans.
- This is basically a discount plan, they only cover $50 of a doctor visit, or any procedure being done. Only 6 times a year. Most of all call your doctor of choice and ask them if they accept them.
- This is not a major medical plan. The plans are a limited benefit hosptial /surgical and say as much in the brochure.
- They do not cover labs and only cover a portion of any surgical procedures. Imagine being hospitlized for with a $50,000 bill and having your insurance carrier advise you that will only cover 80/20 up to $2,000 per day! This is exactly what these carriers will do and you will end up bankrupt.
If you have any questions regarding any of these carriers or would like to move to a major medical please 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, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.
Maximum HSA Contribution To Rise In 2010
The maximum HSA contribution that can be made in 2010 for single coverage will be $3,050, up from $3,000 in 2009. The maximum HSA contribution for those with family coverage will rise to $6,150, up from $5,950.
Health Savings Account Enrollment Reaches Eight Million
Eight million Americans are covered by Health Savings Account (HSA)-eligible insurance plans, an increase of more than 31 percent since last year, a new census released today by America’s Health
HSA Owners: Satisfied With Their Accounts, Want To Keep Them As Savings Option For Americans
HSA owners are overwhelmingly satisfied with their accounts, and 91 percent believe such accounts should remain an option for Americans, according to a nationwide survey released today by OptumHealth Inc. Survey finds HSAs are used most by those making less than $75,000 a year.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. 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.
What are the Best Priced Health Insurance Plans in South Florida?
Buying health insurance in South Florida can be quite confusing. There are over 10 different carriers and with that 10 different rates. “Most of the co-pay plans in South Florida are very similar, however the rates vary quite a bit. Its quite astounding when one carrier charges double then another for the same benefits.” Evan Tunis, Owner of Florida Healthcare Insurance
At Florida Healthcare Insurance we are committed to making Florida health insurance transparent to our clients. Therefore we have set up a comprehensive analysis of the South Florida health insurance marketplace in terms of price and benefit. If you have any questions simply call Evan Tunis at 561.637.8162.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. 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.
Florida Rate Comparison – Copay Plans (01/2009 Rates)
35 Yr. Old Male / 35 Yr. Old Female / 2 Children Ages 12 & 10 (Preferred Rates)
33486 – Boca Raton, Florida (Palm Beach County)
2,500 Deductible Range
|
Company
|
Monthly Cost |
Deductible |
Co-Insurance |
Network |
|
|
Humana |
$368.94 |
$2,500 |
80/20 to 10k |
Humana |
|
|
|
Cigna – Open Acess 2000 |
$426.00 |
$2,000 |
80/20 to 15k |
Cigna |
|
World – Premier |
$497.97 |
$2,500 |
80/20 to 15k |
Great West |
|
|
UHO-Golden Rule – Copay Select |
$530.89 |
$2,500 |
80/20 to 15k |
United |
|
|
Aetna – POS 2500 |
$568.00 |
$2,500 |
80/20 to 12.5k |
Aetna |
|
|
World – Premier Plus |
$609.23 |
$2,500 |
80/20 to 10k |
Great West |
|
|
Assurant (Time) – Core Med* |
$671.24 |
$2,000 |
50/50 to 4k |
Great West |
|
|
GTL – Complete W/ POVC |
$687.02 |
$2,500 |
80/20 to 10k |
Great West |
|
|
Madison National – M5 |
$708.78 |
$2,500 |
80/20 to 20k |
Great West |
|
|
Assurant (Time) – Max Plan |
$763.84 |
$2,500 |
50/50 to 4k |
Great West |
|
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