Florida Medical Insurance -- Seven Tips To Reduce Cost

Would you appreciate cheap rates for the right coverage? If so, these tips will help you reach that goal...

1. People with excess weight attract far more expensive rates than individuals with normal weights. An insured's Body Mass Index (BMI) is a serious factor that affects what a person pays as rate.

A high BMI will always get an expensive rate all other things being equal. You're overweight for your height and sex if your BMI is high. And do not think that you'll get savings only when you lose 50 pounds, just losing a few pounds will lower your rates once it alters your Body Mass Index rating.

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2. Despite the fact that most individuals have realized that smoking adds to their rates, they may not know that the same is also true if they use other tobacco products. For example, you'll pay a higher premium if you chew or snuff tobacco.

Therefore, for your health and less expensive rates, stop using any tobacco product.

3. A poor driving history can make you pay expensive Florida health insurance rates. Speeding tickets and other traffic violations can seriously increase your Florida health insurance premium. The simple reason is that if you're such a driver, you'll most likely need medical attention for injuries than a very careful driver.

Hence, driving better doesn't only save you much in your auto insurance, it also helps you get lower rates in Florida health insurance. Fast muscle cars and super bikes will raise your rates because they make you a bad risk. The higher probability of a crash means someone could be injured and need to make a claim.

4. While shopping for low cost Florida health insurance be certain that you don't get carried away by just the cheapest quote. You have to avoid a very low quote that does not offer you a good value to price ratio. If the cheapest quote has everything that is of value to you, then choose it. But be prepared to pay slightly more if required to get the right coverage for you.

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5. Purchase catastrophic Florida health insurance instead of the traditional plan if you rarely fall take ill and you'll get better rates. For people who might not know what it is, it's a kind of policy that provides coverage if you fall sick suddenly or get involved in an accident.

The beauty of this policy is usually seen in cases where the illness or accident makes the patient incur very exorbitant medical bills that would otherwise destroy most people's life savings. The premium you pay for catastrophic Florida health insurance is truly cheap.

Nevertheless, bear in mind that it has deductibles that are as high as $2,000. Be that as it may, you'll be willing to contribute such if your medical bills run up to $50,000 which is where this plan truly excels.

6. A Flexible Spending Account helps you in your quest to make massive savings. It is a kind of savings account where you can save tax-free dollars for your health needs. You can in addition roll over any money you did not use in one year to the subsequent year tax-free. You can build a considerable reserve of money for your health needs tax-free if you have a Flexible Spending Account.

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7. You can reduce your rates by avoiding alcoholic beverages. Alcoholics spend more on Florida health insurance.

Drinking is the source of many ailments and that is apart from the fact that it will also increase your risk to Florida health insurance providers.

How much alcohol would be harmful to you as a person? I cannot really say as there are people who can take a bottle and still be okay while some will drink just a sip and things start going wrong.

But here is what I'm sure of: Quitting alcohol in its totality will do you a world of good. If you can't stay away totally, drink in moderation if you want to reduce your risk to insurers.

But I am told it is harder to drink in moderation than it is to quit. There are organizations that are out to help heavy drinkers quit drinking. Just look for them.
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