Cheap But High Quality Health Insurance In Florida -- Steps to The Best Rates

How can any person out there enjoy affordable Florida health insurance that does not put them at risk? If you must attract big discounts, then you must NOT fail to do certain things. I'll discuss a good number of them in this article...

1. There are drugs that are big brand names. Drugs that have such brand names cost a lot more than comparable drugs and so increase your cost. Just in case you don't know, the law demands that every drug must have the same active ingredients whether they are brand name or generic. The inactive ingredients are the only dissimilarities between generic drugs and brand names.

So by going for brand names you truly aren't getting added value in spite of the fact that they cost a lot more. Nevertheless, take the time to ask a doctor you can truly trust about this before you make your final decision.

2. An easy but rewarding way of bringing down your rate is by authorizing an EFT (Electronic Funds Transfer). This process authorizes your bank to credit your insurer with your premiums automatically until you advise otherwise. This reduces costs by eliminating the necessity of payment notices or checks. Your insurer passes part of what they save to you by reducing your rates.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing condition that makes traditional individual Florida medical insurance hard to get or too expensive.

4. Several states give home business owners an opportunity to lower their rate. States that give this opportunity have regulations that make it mandatory that insurers offer home business owners the same price as they do large businesses.

In several states your home business qualifies for a group rate provided it has one employee.

The cheery news is that the employee could be your spouse or your older child who works with you. The good thing is that such a worker must not be full time for you to be eligible.

This alternative gives cheaper rates due to the fact that group rates are normally cheaper than rates for individuals.

To find out if you qualify or even if your state has such offer, call your state's department of insurance, department of financial services or their equivalent.

5. Notwithstanding the fact that you are advised against self-medication, there are times when you shouldn't see a doctor. Good instances are viral infections like flu for which your doctor can't help. There are easy steps you should take and if you go to the doctor you will pay and still be told the same things.

So does it make sense to spend nearly $100 to see a doctor when you already know that your situation won't be helped much? This is also true of simple first aid treatment.
If you don't know these simple things spend time reading books on them especially if you have little children. There are several things that you can (and should) take care of if you have taken the time to learn and as well have a well-equiped first aid box.

But even in those cases if you are not certain of what to do visit a doctor considering that it is better to lose money than to endanger your life. And, for people who are versed in first aid, don't forget your boundaries. The law forbids you to do certain things if you are not a certified medical personnel. Do what you should and let your doctor handle those he/she should. You will pay less on your Florida medical insurance without endangering yourself or yours if you do this.

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