Cheap Health Insurance In Florida -- What To Do If You Want It

Do you want to get superior Florida medical insurance at very affordable rates? If you must attract big discounts, then you must NOT miss certain things. Here are some of such things...

1. There are established name brands in the pharmaceutical industry. You'll raise your rates if you use big brand name drugs. Just in case you don't know, the law demands that every drug must consist of the same active ingredients notwithstanding if they are brand name or generic. The inactive ingredients are the only differences between generic drugs and brand names.

The truth then is that you only spend more when you buy a big brand name drug and do NOT get anything more in value. Notwithstanding, discuss this with your doctor before making this decision.

2. A simple but effective way of reducing your premium is by authorizing an EFT (Electronic Funds Transfer). By doing this you authorize an insurer to automatically withdraw your payments from your account when due. This reduces costs by removing the necessity of payment notices or checks. Your insurer gives you part of what they save by reducing your premium.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good alternative for affordable coverage if you have a pre-existing condition that makes traditional individual Florida medical insurance hard to get or too expensive.

4. Those who own home businesses are offered a special way to save in a number of states. States that give this opportunity have regulations that make it compulsory that insurance companies offer home business owners the same price with large businesses.

And all it requiries for your home business to be eligible is just one employed worker.

Don't forget that a member of your household who works with you in a home business is seen as an employee. You will still qualify for such group rates if such an employee works just part time.

Group rates are always cheaper so ensure that you take advantage of this if you're a home business owner.

To find out if you are eligible or even if your state has such a provision, call your state's department of insurance, department of financial services or their equivalent.

5. In spite of the fact that you're advised against self-medication, there are times when you should not see a doctor. Take, for instance, a viral infection like flu. Visiting your doctor will change nothing about your health if you know what to do. We all know that your doctor cannot do you much good if you have a viral infection.

So does it make sense to spend nearly $100 to see a doctor when you already know that your condition won't be helped much? Other examples are little cuts that just simple first aid will take care of.
It is better to know how to take care of simple home emergencies 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.

Nevertheless, if you do not know what to do, go ahead visit your doctor. And a word of caution to individuals who may believe they know so much (while they are not trained medical personnels) know what you should not even attempt except there's no way to get to a doctor on time. The law stops you from doing certain things if you're not a certified medical personnel. Having the right balance is necessary in this and such matters. If you do this right you will pay less in health insurance and still not endanger lives.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!