Affordable Medical Insurance In Florida -- Time-Tested Tips For Huge Discounts

How can anyone out there get affordable Florida medical insurance that does not downgrade their coverage quality? There are suggestions you must understand and implement if you're truly committed to getting considerable discounts. I'll discuss a good number of them in this article...

1. The pharmaceutical industry has big brand names. Drugs that have such brand names are more expensive than comparable drugs and so raise your premium. For those who don't know, the law stipulates that every drug must consist of the same active ingredients notwithstanding if they are brand name or generic. Where they can have any variation is in the inactive ingredients.

The truth remains that you only spend more when you buy a big brand name drug and do NOT enjoy anything extra in value. Discuss with your doctor about this.

2. A straightforward but rewarding way of lowering your premium is by authorizing an EFT (Electronic Funds Transfer). This just means your insurer takes your premiums automatically from your account each month without sending you payment notices. This eliminates administrative costs like those involved in mailing payment notices. An insurer passes part of what they save to you by bringing down your rates.

3. For people who have a health condition that makes it hard or costlier for them to get private personal health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would offer a more affordable option.

4. Certain states offer home business owners a chance to bring down their cost. States that give this opportunity have regulations that demand that insurance carriers give home business owners the same price as they do large businesses.

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

The good part is that the member of staff could be your spouse or grown kid who works for you. Furthermore, you'll still be eligible if that single staff works only part time.

This will give your reasonable savings as group rates are always cheaper than individual rates.

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. There are things that you would do well not to see a doctor about as it only increases your health care spend without doing you any real good. Good instances are viral infections like flu for which your doctor can't help. Using some home remedies will actually help in such conditions. Your doctor will probably do things you should have done for yourself at home in a situation like that.

So is it wise to spend close to $100 to see a doctor when you already know that your condition would not be helped much? This is also true of simple first aid treatment.
If you do not know these little things take out time to read books on them especially if you have little children. Knowing a few little things and having a well-equiped first aid box will help you save considerably on unnecessary visits to a doctor.

Nevertheless, if you don't know what to do, go on and see your doctor. But, please, know your bounds and be aware that there are situations you must refer to a doctor even if you know what to do. There are things you are not supposed to even attempt if you're not a medical doctor. Having the right balance is necessary in this and other cases. If you do this right you will spend less in health insurance and at the same time not endanger lives.