Florida Health Plan – Tools to Help You Find the Right Plan

Shopping for the right Florida health plan can be a pain. But it doesn’t have to be. Fortunately, the State of Florida has a Department of Insurance that is dedicated to making sure that residents get insured at carrier-direct costs. This is a comforting thought to consider as you look for the Florida health plan that’s right 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 coverage you need at a price you can afford.

The first resource available to you is the simple fact that there are so many carriers out there. You can easily get quotes from several different companies (we recommend that you get at least five) and compare them to one another. Don’t just look at the dollar amounts, though; make sure that you’re comparing apples to apples. 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 the doctor a lot, this may end up being more expensive than a Florida health plan with a higher deductible, but a lower premium.

You can also look at a few reports to get a feel for a Florida health plan’s overall reputation. The State of Florida publishes a list of complaints against insurance carriers. If a carrier you’re considering has a consistent pattern of showing up on that list, you’re probably better off going with someone else, no matter how low their prices are. It’s not worth the hassle of bad service when you really need help. A.M. Best is another company that can help you. They’re the oldest industry monitor around, and they grade different companies based on a variety of factors. Any company with an A rating or higher, A+++ being the highest, is a solid bet.

Finally, when in doubt, there is no more useful tool available to you than an experienced insurance broker. A quality broker 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 the most solid Florida health plan to you. There’s no reason for you to spend your time doing all the research when there are plenty of professionals who have done it already and know how to evaluate their findings. Asking for help is an important step in finding the right coverage.