south florida health 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

Why You Should Avoid Instant Health Insurance Quotes

If you have ever looked for Florida Health Insurance the results can be daunting.  With an average of around 6-7 carriers and 100 plans many are left to throw up there hands or just submit there info for instant quotes.  The problem with these quotes include:

  • Quotes are only quoted for “Preferred Basis”.  Thus if you take any medication you most likely will not get this rate.
  • If you don’t have insurance you will pay more.  Quotes are only shown that include you currently having insurance if you don’t well expect to pay more.

Evan Tunis, owner of Florida Healthcare Insurance, advises all of his clients to ignore instant quotes and give him a call.  According to Tunis, “I will never email a quote without first speaking to any potential clients.  Its a waste of both of our time.”

Tunis recommends anyone looking for Florida Health Insurance to look for a broker that works with every carrier in the state and knows the underwriting of these particular carriers inside and out.

To learn more about Florida health insuranceFlorida health insurance quotesFlorida life insuranceFlorida life insurance quotesFlorida group health insurance visit Floridahealthcareinsurance.com.

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Wednesday, February 29th, 2012 Blog Posts Comments Off on Why You Should Avoid Instant Health Insurance Quotes

5 Conditions that raise Florida Life Insurance Rates Most

When it comes to Florida Life Insurance your health is the main factor in your premium.  Fact, the healthier and more active you are the cheaper your rates will be.

Here are the Five Things that will will raise the price for your Florida Life Insurance

1. Heart Disease

2. Diabetes

3.  Cancer

4.  Obesity

5.  Pulmonary Disease

For more information of Florida Life Insurance please contact Evan Tunis at 800.946.3157

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Wednesday, August 4th, 2010 Blog Posts Comments Off on 5 Conditions that raise Florida Life Insurance Rates Most

Avoiding These Florida Life Insurance Mistakes

  • Not considering life insurance at all. Life insurance forces us to take a look at our own mortality, a subject most people would prefer to ignore.  In fact, one third of all adults have no life insurance at all.
  • Relying on rules of thumb. When d eciding how much life insurance you need, avoid common rules of thumb, such as five to 10 times your annual salary.  These are general guidelines and are not meant to be a definitive guide to the amount of coverage you need.  You need to determine how much money your family requires annually to maintain their standard of living and how long they will need that money.  Once you have these estimates, you can more accurately calculate the amount of Florida life insurance coverage for your family’s situation.
  • Not evaluating your situation periodically. Your life insurance needs are likely to change over time.  Thus, you should periodically review your needs to see if changes are warranted.

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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Wednesday, March 31st, 2010 Blog Posts Comments Off on Avoiding These Florida Life Insurance Mistakes

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

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Tuesday, October 27th, 2009 Blog Posts Comments Off on “Even with the Public Option, You Need Florida Health Insurance for the Next Four Years”

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

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.

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Wednesday, June 10th, 2009 Blog Posts 1 Comment