Setting Your Priorities

You buy a Florida health insurance plan to pay for the "big stuff". Yes, I know, you want the doctor's visits covered and all your prescriptions. Priority number one is to cover major illnesses and accidents. It is the hospital bills and prolonged illnesses that destroy us financially. Focus on covering the catastrophic bills. Ask the agent:

1. What are the plan lifetime limits. You want to hear $1 million +.

2. Are there per illness limitations? Do not accept any.

3. Are transplants limited to a lower dollar value? You won't get a heart or liver transplant for $100,000. You won't even get on the donor list.

4. If the plan has daily limits on room and board or surgical fees you have the wrong plan. Ask the agent. Be certain.

Obviously, the least inexpensive Florida health insurance plans have higher deductibles and pay nothing for the occassional doctor visit or prescription. These are the basic major medical plans. For most of us it is all we need. I did not say all we want. I said all we need. These plans provide more than adequate coverage and generally have lower rate increases than more comprehensive plans or plans with low deductibles.

Plans that cover all of your physician visits and pay for all of your prescriptions will cost considerably more. If you add a low deductible then you have the most expensive plan available.

The smart consumer knows that you can pay for your own prescriptions and doctor visits for less money than it costs to insure these items. Look very carefully at the cost of adding 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 health care.

Do I really need a Florida health insurance plan?

If you are seriously ill and rushed to the hospital you will be taken care of whether you have insurance or not. But, if you want to gain admittance to the best hospital facility or have the services of the best physicians, you better have a quality Florida health insurance plan. Otherwise, you may become a learning experience 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 member's life.

Florida Health Insurance (NOT) - Discount Cards - PPO Network Cards

Discount cards and local network plans are not Florida health insurance plans. Stop and think for a minute. Do you really think that you can dispense with health insurance and make due with a cheap discount card? If you do I have a bridge in Brooklyn for you. 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. Access to a PPO network can help. Just make sure that you don't pay $500 or more for a card that saves you $100 over the course of the year.

We offer one PPO network plan for those who need it. The card is $37.50 a month and the card company pays the doctor. This means you will find acceptance with this card that you will not find with others.

Purchasing 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 Florida health insurance plans.

There is no substitute for common sense. When an agent plants themselves in your living room, shows you a slick brochure, tells you that you can have the plan even after you are 65. The alarm bells should be going off in your head. These smooth talkers are trained to leave with your signature and a check and 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 testy.

2. Be realistic. If you try to replicate a plan you had when working for BigBucks Industries you are going to be very disappointed. Florida health insurance 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 forever and you need to move on.

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 Florida health insurance plan. The site is broken down in logical categories. Take your time and read through the information.

A Helpful Tip On Florida Health Insurance Paramedical Exams

Some companies will require a paramed exam where blood will be drawn. These are supposed to be fasting tests. However, they often fail to warn you. Or, the examiner is late and you decide to have a meal or a snack. The blood tests come back with elevated cholesterol or blood sugar and you are faced with a medical decline.

If the examiner is late and you had a meal or forgot and ate prior to the test, cancel the exam. You can have months and months of aggrevation trying to prove you have normal readings.

Where to buy Florida Health Insurance

We created this site to help this Florida Insurance Guide to help the consumer get a better understanding of how to buy a Florida health insurance plan. It makes our job a lot easier when you know the truth. We can answer your questions about eligibility, different types of plans and offer immediate quotes from multiple companies.

Would you like to: 1. Get a free Florida health insurance quote (the best rates possible) 2. Get answers to all of your questions (and speak to the author of this site) 3. See additional information on Florida health insurance Florida Health Insurance information - click here. Or Call 800-986-4786 Mon - Fri 9 AM to 9 PM If you would like an immediate quote on dental insurance, try this link - Dental Insurance Plans

We now offer Texas health insurance guides as well. For Texas Health Insurance information - click here