When it comes to finding a good health insurance policy, residents of Florida have a bit of an edge. Health insurance in Florida is regulated by the Florida Department of Insurance. This means that every resident is entitled to get carrier-direct premiums, as well as a 10-day “Free Look Period,” which also comes with a money-back guarantee. Even so, you still want to be sure to find the right policy. You’ll need a health insurance policy that fits your needs and, if you have a family, their needs as well. There are a few essential areas to consider as you make this decision.
First, you need to consider your needs or your family’s needs. This will help you to narrow down the search and give you a better idea of the kind of policy you’re looking for. Do you or any of your family members have pre-existing medical conditions? Are you planning to have more children? These are all issues that will affect the kind of policy you decide to get as you consider health insurance in Florida. Consider how much time you expect to spend at the doctor’s this year before deciding whether to go with a plan that has a low premium, but a high deductible, or a high premium with a low deductible.
Once you have a picture of the kind of policy you’re looking for, it’s time to start shopping around for an insurance broker. A quality broker will be familiar with health insurance in Florida and will be knowledgeable about specific policies. The broker should be able to explain to you why a certain policy would be a better fit for you and your family. If you get the feeling that the broker is simply trying to get you to buy a policy for profit’s sake, then keep looking.
If you’re able to find a quality broker and feel that the broker has a good grasp of your insurance needs, then it’s time to get down to business and talk about specific carriers and the policies they offer. The broker should be able to provide you with several different options. While the broker might have an idea of which policy would be best for you, you are the one who is paying for the policy and will have to live with its coverage, so be sure you understand the policy and coverage before you make a decision. Getting health insurance in Florida can be pretty simple if you know how to go about it.