Affordable Medical Insurance In Florida -- Steps to Better Rates

What can someone do to pay relatively little for sufficient Florida medical insurance? There are things you must take note of and implement if you're truly committed to getting huge discounts. Following are a few of such things...

1. The pharmaceutical industry has big brand names. If you buy such drugs, your premium will go up. Just in case you don't know, the law stipulates that all drugs must have the same active ingredients notwithstanding if they are brand name or generic. Where the differences begin and end are in their selection of inactive agents.

This simply implies that what you receive in brand name drugs is the same thing you get from generic drugs of the same specification. Nevertheless, discuss this with your doctor before taking this decision.

2. A straightforward but effective way of reducing your premium is by authorizing an EFT (Electronic Funds Transfer). This just means your insurance provider takes your premiums automatically from your account each month without mailing you payment notices. This saves your insurer in many ways including removing the cost of sending payment notices and the cost of processing checks. Your insurer gives you part of what they save by reducing your rates.

3. If in your case it's hard to locate a regular Florida medical insurance provider because of an unfavorable medical history you can make use of COBRA insurance. For those who don't know COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. Individuals who operate home businesses are given a special opportunity to save in certain states. Those states require that insurance providers offer home based businesses similar rates with other (bigger) businesses.

Employing just a staff makes a home business eligible for such low rates in a number of states.

The good part is that the member of staff could be your wife or your older child who works for you. The good thing is that such an employee does not have to work full time to qualify you.

This option gives cheaper rates because group rates are usually cheaper than rates for individuals.

You can find out home businesses that are qualified for group rates in your state by visiting your state's department of insurance or its equivalent.

5. There are cases for which you really shouldn't see a doctor. Take, for instance, a viral infection like flu. A visit to your doctor will really make no difference in your health if you know the right right steps to take. Your doctor will probably do things you should have done for yourself at home in a case like that.

So is it wise to spend nearly $100 to visit a doctor when you already know that your situation won't be helped much? I also think there are a few home incidents that your first aid box will handle quite well.
It is better to learn how to handle simple home incidents especially if you have children. There are many things that you can (and should) handle if you've invested the time to learn and as well have a well-equiped first aid box.

However, if you do not know what to do, don't hesitate to see a doctor. But, please, know your bounds and don't forget that there are cases you must take to a doctor even if you know what to do. There are cases you are not supposed to even attempt if you're not a medical doctor. Just learn to treat what you should treat on your own and don't attempt what you should not. This will reduce your visits to the doctor and, consequently, lower your cost.
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