short term health insurance

Let’s Talk Short Term Medical Insurance

As premiums for ACA compliant plans have begun to rise clients have been seeking alternatives.  One of the better alternatives is short term medical insurance.

What is a short term medical plan?  Evan Tunis, Owner of Florida Healthcare Insurance explains, “Short term medical is designed to provide a stop gap for those in between jobs or those or only need major medical insurance for a specific period of time.”

Short term plans can run as little as one month to as long as 12 months.  The better carriers who provide this insurance are United Healthcare and National General(Aetna).  The plans are medically underwritten, do not cover pre-existing conditions, and usually just provide a discount for services such as doctor visits and medications.

Evan Tunis, “Short term medical plans depending on your situation can make sense.  In addition with the new administration likely eliminating the individual mandate the penalty is no longer a factor.”

If you are interested in a quote for short term medical please let us know.

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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Monday, January 23rd, 2017 Blog Posts Comments Off on Let’s Talk Short Term Medical Insurance

PPO Health Options In Florida

If you are looking for a PPO medical plan in Florida the options are slim.  You options are either a Blue Cross Blue Options EPO or an AvMed POS.  In the past we had choices such as Golden Rule and Cigna but that is in the past.

Evan Tunis, Owner of Florida Healthcare Insurance, “The carriers who have offered large PPO networks in the past have shut down enrollment. In its place are regional carriers or short term medical plans.”

In a case of unintended consequences the plans with the best nationwide networks are short term plans with National General and United.  Both of these carriers have products that will cover you nationwide though both are limited to 1,000,000 of claims.  To understand if a product like this would help your family please consult a licensed agent.

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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Tuesday, January 17th, 2017 Blog Posts Comments Off on PPO Health Options In Florida

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?

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 insuranceFlorida health insurance quotesFlorida life insurance,Florida life insurance quotesFlorida group health insurance visit Floridahealthcareinsurance.com.

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Friday, October 30th, 2009 Blog Posts Comments Off on What the House Healthcare Bill Means for Florida Health Insurance

What Exactly Does an “Exclusion” Rider Mean?

When determining what potential carrier to go with it is important to understand if that carrier will exclude certain medical conditions.  But what exactly does this mean?

There are certain carriers such as Blue Cross Blue Shield of Florida and United Healthcare that will rider out certain medical conditions if they deem them to high risk.  For an example lets look at  45-F who is taking medication to control cholesterol.  United Healthcare(Golden Rule) will take this client on however not cover her cholesterol.

This means any doctor visits, testing, Rx, hospitilization etc. associated with her cholesterol will not be covered.

If you are taking any medication or have been diagnosed with any condition within the last 10 years I advise you to call our office before taking out a florida medical insurance.    Failure to not understand your policy or exclusion could result in possible bankruptcy.

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.

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Thursday, September 17th, 2009 Blog Posts Comments Off on What Exactly Does an “Exclusion” Rider Mean?

A Few Common Myths About Florida Health Insurance

Through out my work week I often here several myths that I always try to make my clients be aware of.  While I could spend all day at this I will only speak of the 1o that are most common.

1.   Since I am on a group plan my pre-existing conditions have to be covered!   FALSE.

If you are going from a group plan to an individual plan you will indeed have to go through underwriting.  Underwriting will look at your medical records and then make an evaluation if coverage will be offered.

2.  Every insurance carrier uses the same underwriting guidelines.  FALSE

Every carrier evaluates certain conditions quite differently.  Some use rate-ups, others exclusions.  This why it is  vital to speak with a licensed agent to make sure you know the underwriting for a particular carrier.

3.  I can be singled out for a rate increase if I am diagnosed with a pre-existing condition.  FALSE

Every carrier has rate increases each year but none raise rates simply due to a recent diagnosis.

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.

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Thursday, September 10th, 2009 Blog Posts Comments Off on A Few Common Myths About Florida Health Insurance

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

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Friday, September 4th, 2009 Blog Posts Comments Off on How A Visit to your Doctor could make you Ineligible for Health Insurance.

United Healthcare announces Lower Rates for Florida Health Insurance

While most health insurance carriers tend to raise there rates every quarter, United Healthcare has done the opposite, lowering there rates for Florida Residents.

Effective July 1, 2009, Florida clients who have:

  • Had medical coverage in the past 63 days, and
  • Would otherwise qualify for what is currently known as a Preferred rate class

Now qualify for our new Preferred I class “ with premiums 6% less than our current preferred rate class!

Additionally, select ZIP Codes in North Broward County will experience a 12% rate decrease!

To receive a quote please contact Evan Tunis, Owner of Florida Healthcare Insurance at 800.946.3157.

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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Wednesday, July 8th, 2009 Blog Posts Comments Off on United Healthcare announces Lower Rates for Florida Health Insurance

Short Term Health Insurance

With so many Floridians losing there current jobs, a common question is what to do I do now for health insurance? The obvious answer is Cobra however, due to its high cost this is out of risk for most Floridians.

A great idea which is gaining in popularity is a short term medical policy. These policies written by such companies as United Healthcare and Assurant are major medical policies that are limited between 1 & 6 months. The plans are relatively inexpensive and can cover the gap before a permanent plan can be found. For a quote simply give us a call.

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Sunday, March 15th, 2009 Blog Posts Comments Off on Short Term Health Insurance