Florida Medical Insurance -- 7 Tips To Reduce Cost

Do you want cheap rates for sufficient coverage? If so, the following recommendations will go a long way in helping you reach that goal...

1. Overweight people attract far more expensive rates than people with normal weights. There's something called Body Mass Index (BMI) which is used to determine a prospect's premium.

A high Body Mass Index will always result in a high rate all other things being equal. Your weight is too much for your height and sex if your BMI is high. And don't think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will get you lower rates provided it reduces your Body Mass Index rating.

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2. The use of tobacco in any form will increase your rates. For example, you will pay a more expensive rate if you chew or snuff tobacco.

Staying off all tobacco products will result in more affordable Florida health insurance.

3. If you drive irresponsibly then expect to pay higher Florida health insurance rates. If you have many speeding tickets or a history of street racing you'll spend much more. The simple reason is that if you are such a driver, you will most likely need medical attention for crash related injuries than a very careful driver.

Improving your driving records and developing a good driving habit will lower your rates. Fast muscle cars and power bikes will increase your premium since they make you a bad risk. This is because they will more easily cause you injuries due to their higher risk of accidents.

4. While shopping for affordable Florida health insurance be certain that you don't become carried away by just the cheapest quote. You want a low rate that also gives you adequate coverage. Based on a number of factors, you can get really low rates that offer you the quality you want if you shop well. But if you don't see the right value at the cheapest rate, you'll be making the right decision if you spend more to make sure you truly have the quality of coverage that is right for you.

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5. If you're hardly ever ill you will you'll save considerably by choosing catastrophic Florida health insurance instead. This type of policy takes care of you if you suddenly fall sick or get involved in an accident.

The good thing about this policy is usually appreciated in cases where an ailment or accident results in very exorbitant medical bills that would otherwise destroy most people's life savings. Catastrophic Florida health insurance premiums are generally very low.

Notwithstanding, the deductibles are generally as much as $2,000 but they are certainly worth it considering that you hardly fall sick and are getting coverage in case a catastrophic health condition or accident strikes.

6. A Flexible Spending Account helps you as you look for ways to save. It's a kind of savings account where you can save tax-free dollars for your health care needs. You can as well carry over any amount you didn't use in a year to the subsequent year tax-free. You can build a large reserve of money for your health needs tax-free if you open a Flexible Spending Account.

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7. If you're a drinker your rates will be higher than a similar profile that isn't a drinker. Drinking irresponsibly makes you a bigger liability and therefore increases your rates.

You are aware that a good number of health conditions can be traced to heavy drinking.

How much drinking is safe for you? I cannot advise you on that since I am not specialized on such matters.

What I do know is that avoiding drinking completely is isn't harmful to anyone. For people who can't abstain totally, do your best to drink in moderation.

It is just that for most people drinking responsibly is even more tasking than staying away completely. You can be assisted if you really want to stop drinking.
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