Looking for health insurance can be a challenge. But it does not have to be. Luckily, the State of Florida has a regulatory body that is dedicated to making certain that residents receive carrier-direct premiums. This is a comforting thought to be aware of as you look for the Florida health plan that’s perfect for you and your family. If you are still intimidated by the size of this task, you can also rest assured that there are resources available to help you to make sure that you get the plan you need at a price that fits your healthcare budget.
The number one resource available to you is the simple fact that there are so many carriers available. You can easily get quotes from several different companies (we recommend that you get at least 5) and compare them side by side. Don’t just look at the premium amounts, though; make sure that you’re comparing like plans. Look at the policies they’re offering and compare the coverage. A lower premium may result in a higher deductible. If you need to visit your physician a lot, this may end up being more costly than a Florida health plan with a larger deductible, but a lower premium.
You can also view a few reports to get an understanding of a Florida health plan’s overall reputation. The State of Florida publishes a list of complaints against insurance companies. If a carrier you’re considering has a consistent pattern of showing up on that list, you’re probably better off going with another, no matter how low their prices may be. It is not worth the hassle of poor service when you really need protection. A.M. Best is rating company that can give you the facts. They’re the oldest industry rating firm around, and they grade these companies based on a plethora of factors. A carrier with an A rating or higher, A+++ being the highest, is a solid choice.
Finally, when in doubt, there is no more useful tool available to you than an experienced independent health insurance agent. A quality agent will know how to quickly ascertain your insurance needs and will be familiar enough with the carriers he or she works with to be able to recommend top performing Florida health plans to you. There’s no reason for you to spend your time doing all the research when there are many of professionals who have done it already and know how to evaluate the market. Reaching out for help is an important step in finding the right coverage.
I offer to help you with your search for the appropriate Florida health plan. Whether you have received a rate increase and want to lower your rate, or are coming off a group plan, I work with the top carriers that deliver superior major medical insurance. My direct number is 352-200-2066. Contact me today for a no obligation quote.