If you are considering dropping your
Florida health insurance because of
high premiums, give me five minutes
and read this.
There
is very little downside and it can
save you thousands in annual
premium.
Choosing between a Florida health insurance agent and a marketing company There are Captive Agents who work for one health insurance company but tell you they represent many, and receive huge commissions; there are Marketing Companies who turn around and sell your information to the highest bidder and know absolutely nothing about Florida health insurance; and then there are Independent Agents, yes like us, who will shop all of the top "A" rated carriers in Florida.
Florida health insurance
and smoking
you're risking more then
you might think when you
pick up that cigarette.
The penalty imposed by
the Underwriting process
varies from carrier to
carrier and depends on
your other medical
conditions.
Temporary Florida Health Insurance: In between jobs - waiting for new coverage to start? Or, maybe you've been declined due to medical reasons for individual health insurance? Being without health insurance coverage for even one day exposes you to risk:
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Coverage for as little as one month and up to 36 months.
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Get same day coverage.
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Less expensive then major medical Florida health insurance
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Cancel at anytime
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10 days Free Look Period to review policy...more info
Claims for
Florida
health insurance
are normally denied for five reasons.
Most policyholders have no idea how to avoid claims
being denied or what to do in the
event that they are. Insurance providers fail to inform you of your
rights. Be an informed consumer and avoid this from
happening to you.
Florida health
insurance the new trend toward high deductible plans With high
deductible health plans the patient
is taking managed care in whole new
directions. Not too long ago was the
day doctors posted fees on their
office walls. Nowadays no one knows
what
doctors are charging, what insurers are paying and
what patients are getting for their premiums.
Doctors blame the insurance companies, insurance
companies blame the doctors and you and I blame them
both. Read this article for some interesting
background.
Are Florida health insurance premiums killing you?
Health insurance can be expensive and frustrating to fully understand. With premiums so high it's more important than ever to have someone on the other end of a phone that speaks your language and can answer your questions without all the usual run around. Working with a local, independent Florida agent is the single most important decision you can make. Read on for some ideas and strategies.
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MAKE SURE TO GET QUOTES FROM MORE THEN ONE COMPANY. It takes a little more effort but its worth it. Captive agents selling for only one company will lead you to believe they sell for everyone but watch out, they get huge commissions and free leads from the company they sell for. And guess what you get from them - lousy coverage.
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What happens if I have a preexisting condition? Depending on the condition, you will be penalized in terms of premium or coverage or both by the insurance company. Using an agent can help in finding the best coverage.
Normally you have to go 12 months with no treatment (including seeing a doctor for the condition or being prescribed a medication for it, before a health insurance company considers it not to be preexisting. In certain situations where a doctor hasn't been seen recently you may be asked to undergo a paramed exam.Health insurance benefits can never be denied if you pay your premiums. The only time the insurance company can legally drop you is either for nonpayment or if you commit fraud: you lie or omit pertinent medical information on your application, whether intentional or not.
Make your Florida health insurance affordable -
What is the best way to get a low health insurance premium? The safest way is to get a high-deductible plan. Most people never come close to meeting their deductibles. If you save $750 a year by increasing your deductible $1,500 you would be crazy not to take it. Look for high-deductible plans like Health Savings Accounts that will pay for some routine care before you reach the deductible.
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Get an accident plan for children rather then putting the whole family on a lower deductible plan or one with co-pays. Accident plans cost a lot less and come with zero deductible, or first dollar coverage.
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Prescription Drug Card Benefits - Policies with Brand Rx coverage can get costly. Generic Rx is cheap and costs the insurance company very little. Adding Brand Rx coverage with a $500 or $1,000 deductible can really bring you total monthly premium costs down. If you don't have Rx coverage on your existing plan we have a stand-alone Rx card that is affordable: Prescription Drug Card Plan
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Stay in network and use CPT codes (Current Procedural Terminology - universal five digit codes recognized by everyone in health care) to shop for the best deals on diagnostic tests...it can save you thousands of dollars when meeting your deductible.
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Oh to be young and uninsured! Bad idea...a serious case of pneumonia can run you more then $175,000, a head injury from a car accident could set you back $45,000. Bills from a spinal cord injury could exceed $600,000.
If you have a high-deductible Florida health insurance plan, tell your physician that you are paying the bill out of pocket and ask if you can pay a lower rate. He or she may be especially receptive if you can offer to pay on the spot. Of those who negotiate with a doctor, around 60% succeed, according to a Harris Interactive poll.
