south florida health insurance
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
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 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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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.
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.
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
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.
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 |
|