health insurance can sometimes be difficult to obtain, expensive and
confusing. We will help you take the mystery out of purchasing an affordable
health insurance plan.
Use this site to
learn about the different types of plans, what questions to ask an agent
and how to shop for the most benefits at the lowest rates.
health insurance can make a significant difference in the care you receive.
You can call us
for advice at 800-272-0512. We are here Mon - Fri, 9 AM - 9 PM EST
The New Cover Florida Plans - They are not what you thought they would be. Read this brief article to learn more.
Child Only Health Insurance - We can still write a Florida health insurance plan for a child without the parent on the plan.
Florida Supplemental Plans to Lower Health Insurance Premiums - Use a plan that will cost you $22 a month to pay for part of your deductible and save thousands on premiums. By the way, this plan also covers maternity.
Florida Health Insurance for Over 65 - We have low cost Medicare Supplements for Florida residents. Call us for a fast, immediate quote. It only takes a few minutes.
Florida Health Insurance
5 Ways To Save Money
Use a plan with a higher deductible - The chance that
you will meet your deductible is slim. If you can save $800 a year on
health insurance by increasing your deductible by $1,000, you would
have to be crazy not to do so. After 15 months on the plan, you have
already made back the $1,000. Always ask how much the next highest deductible
is and do the math. We will do the math for you when you call us - 800-272-0512
co-pays sound great. But, they cost you a lot of money each month to
have them and don't save you as much as you think. - If you
stay within the PPO network, you are entitled to the discounted rate
for office visits. A physician visit might be $50 to $60. Eliminating
the office co-pay feature could save you $500 to $800 a year. You would
need to have 20 to 30 office visits a year to make the co-pay feature
worthwhile. It sounds better than it is. You will soon realize that
paying for the privilege of seeing the doctor for $35 is no big deal.
3. Use a
plan with a prescription deductible - Florida health insurance
carriers are going to really soak you for brand name prescription coverage.
Most generics are fairly inexpensive and by having a deductible for
brand name or non-generic prescriptions, you will save a lot of money
on premiums. Most plans have a co-pay for generics and impose a calendar
year deductible for brand name drugs. If you try to remove the brand
name deductible, the premiums shoot up. As is the case with the physician
co-pays, the insurance carrier wins every time.
possible, stay away from association plans - These plans are
not native Florida health insurance plans and permit the insurance company
to play games with your premium increases each year. Over time, you
will pay a lot more. Ask the agent if it is an association plan and
what state governs the plan. The answers you want to hear are "no"
with an agent that offers plans from many different companies
- Captive agents who sell for one company cannot offer you the selection
you need. Be careful, a lot of them will tell you that they have many
different plans, but in truth, they are from the same company. Most
of these characters have plans with huge association or signup fees
(more than $50). Call us for a quote from multiple companies.
There are two types of Florida
health insurance plans:
1. The first type of plan
is something I call the "Fantasy" plan. This is usually something
that you dreamed up where you go to the doctor for ten dollars and there
is a $100 deductible. It is very low cost and all of your pre-existing
conditions are covered from day one. My personal fantasy plan includes
a primary care physician who is also the current month's Playboy centerfold.
But, we don't need to go into that.
2. Then there are the plans
that actually exist. These plans look nothing like your fantasy plan
(and certainly nothing like mine). These are generally PPO plans with
deductible ranging from $1000 to $5000 and reasonable co-pays. Pre-existing
conditions may or may not be covered depending on whether you have had
continuous coverage or not.
In the past most of you have
either had group health insurance plans or no coverage at all. Although,
many consumers are starting to understand that Florida health insurance
can be very expensive, they are still hold unrealistic expectations
of low deductibles and having everything covered with just a small co-pay.
If you have just won the lottery or have significant wealth you can
purchase plans that will do just that, and at the same time you can
adopt me. However, for the rest of us, we need to set priorities and
budgets when shopping for a Florida health insurance plan.
If you have
been declined for Florida health insurance
If you have been
declined for Florida health insurance due to medical reasons, do not
give up hope. There are guaranteed issue health insurance plans that
you can afford. Uninsurable individuals
should click here for our guaranteed issue medical coverage page.
Health Insurance - Setting Priorities
priority should be to cover major
illnesses and accidents. If necessary, most of you can probably pay
for a doctor visit or prescription. But, it is the hospital bills
or prolonged illnesses that push us over the top. You need to first
focus on covering the "big stuff". Ask the agent:
1. What are the plan lifetime limits? You want to hear $2 million
or more. Generally, most plans are offering 3 to 5 million.
2. Are there per
illness limitations? Do not accept any. Stay away from plans that
have daily limits on room or surgical fees. This is very important.
You never, ever want to accept a plan that offers to pay a certain
fixed amount for hospitalization. Unless, you cannot medically qualify
for anything else.
The smart money knows that
you can pay for your own prescriptions and doctor visits for less
money than it costs to insure for these items. Look very carefully
at the cost of adding on these extra benefits. If it costs you $1,000
year more in health insurance so you can go to the doctor twice for
only $35 and fill your prescription for $20 instead of $80, was it
worth it? How much did you save? Did you spend $1,000 to save $200?
Don't try to beat the insurance company at their own game. Over time
you will come out ahead by taking on some of the costs of your own
Layout the costs of the lowest, middle and highest deductibles. Then
write down the annual cost of each plan and the difference between
them. Only then, will you be able to clearly see what the lower deductible
or co-pays are costing you.
Do I really
need health insurance?
To gain admittance to the best hospital facility or have the services
of the best physicians, will usually require a quality Florida health
insurance plan. Otherwise, you become a science fair experiment for
an intern who was playing video games a few years ago. So, unless
it is an economic hardship and you just cannot afford the premium,
it would be foolish to go without any health insurance at all. Don't
focus on the extras. Just get a basic high deductible plan. I don't
want to be overly dramatic, but it could mean your life or a family
have guaranteed issue plans for individuals and small groups. You
do not have to wait until August for a group of one. Call 800-272-0512
A discount cards
is not health insurance. Don't be fooled by an aggressive salesperson
who tells you that all you need is their card and you can dispense
with health insurance. You will still be hit with the bills and the
doctors and hospitals will be asking for payment in advance. Many
physicians will not even see a patient without actual insurance.
We can offer a variety of different dental plans in Florida. We even have a real Florida PPO dental plan with a vision coverage option.
To see more of these plans, use this link: Florida
I am not a big
fan of prescription plans. But, in some instances they can save you
money. Try these guys. They have a fairly good plan with a lot of
drugs on their list and you can use the local pharmacy. Discount
Prescription Plans - Click Here.
Next Steps - How to purchase Florida health insurance
1. Find an good
agent - you do not want to deal with anyone who represents just one
company. The plans that require the agent to be captive (represent
only their plan) are not generally the best plans available. Make
sure they can offer you a variety of health insurance plans from different
carriers that sell insurance in Florida. Do not pay someone $100+
for an association fee or signup fee.
There is no substitute
for common sense. When an agent plants themselves in your living room,
shows you a slick brochure, and starts to talk about the roadside
assistance plan and all the other discounts, the alarm bells should
be going off in your head. These smooth talkers are trained to leave
with your signature and a check and they represent only one carrier
- which is naturally the best. But watch out when you tell them you
want time to think about it. They can get very nasty.
2. Be realistic.
If you try to replicate a plan you had when working for BigBucks Industries
you are going to be very disappointed. Health insurance in Florida
is expensive and you don't want to over-insure. It was real nice to
have $5 copays and $100 deductibles. Those days are gone, so get over
3. Don't lie.
If you leave important information off of your application they will
catch you. In Florida it is a class 3 felony. If an agent suggests
it, you should throw them out or hang up.
4. Use this site to get detailed information about each type of Florida
health insurance plan. The site is broken down in logical categories.
Take your time and read through the information. Or, pick up the phone
and call us at 800-272-0512
Health Insurance Information
You can call the
insurance consultants at FLQUOTE
with questions about health insurance. Their site has a lot of interesting
information and is fun to read. You can call from 9 AM to 9 PM EST
Monday - Friday at 800-272-0512