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Monday, August 31, 2009
Low Cost Medical Insurance In Florida -- Apply These Tips If You Want To Pay Less
What can someone do to pay far less for sufficient Florida medical insurance? If you must attract big discounts, then you must NOT fail to do certain things. I'll show you a good number of them in this article...
1. The pharmaceutical industry has big brand names. If you buy name brand drugs, your rates will go up. But are you aware that every generic drug has the same active agents as its big brand name counterpart? Where the differences begin and end are in their choice of inactive ingredients.
The truth then is that you only pay more when you buy a big brand name drug and do NOT enjoy anything more in value. Nevertheless, consult your doctor before taking this decision.
2. You'll attract lower premiums if you make your payments by Electronic Funds Transfer (EFT). This simply means your insurance provider withdraws your premiums automatically from your account each month without sending you payment notices. This reduces administrative costs like those involved in mailing payment notices. Your insurance provider passes part of what they save to you by reducing your rates.
3. If in your case it's difficult to locate a private Florida health insurance carrier due to an unfavorable medical history you can make use of COBRA insurance. Just by the way COBRA is the abbreviation for Consolidated Omnibus Budget Reconciliation Act of 1985.
4. Those who own home businesses are offered a great way to pay less by some states. States that offer this opportunity have laws that demand that insurers give home business owners the same price with big businesses.
Employing just a staff qualifies a home business for such low rates in a number of states.
The cheery news is that the member of staff could be your wife or your older child who works for you. Moreover, you will still be eligible if that single employee works only part time.
This alternative gives cheaper rates considering that group rates are normally lower than rates for individuals.
You can find out home businesses that are eligible for group rates in your state by visiting your state's department of insurance or its equivalent.
5. There are things that you'd do well not to see a doctor about as it only adds to your health care cost without doing you any real good. For example, your doctor can really do nothing for someone who has a cold or flu. It is generally known that doctors cannot do you much good if you have a viral infection.
There's no way you can justify spending $100 for something you should have handled on your own. I also think there are a few home incidents that your first aid box will handle quite well.
It is better to learn how to take care of simple home incidents especially if you have kids. Most of those emergencies would be well attended to if you spend time learning a little about first aid and also have a good first aid kit.
But even in those situations if you're not certain of what to do visit a doctor because it's better to lose money than to endanger your life. But, please, know your bounds and don't forget that there are situations you must take to a doctor even if you know what to do. You are not simply allowed by law to do some things except you're a certified medical doctor even if you know what to do. Having the right balance is important in this and such matters. This will reduce your visits to the doctor and, as well, reduce your cost.
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