Affordable Florida Health Insurance Plans Demanded
Every day the topic of health insurance pops up in conversation ... "Do I have enough, Is my house covered, can I afford to buy health insurance?" Floridians have had enough of recent insurance price increases and vow to force Congress to fix Florida's insurance problem. Rates for both property and health insurance have gone up considerably since Katrina hit the Gulf Coast 18 months ago -- some premiums have more than tripled. Insurance carriers like State Farm were hit with billions of dollars in losses and one expert says, "It's now time for them to make up the difference." Insurance consultants [www.FloridaHealthInsuranceWeb.com is helping solve the problem with free insurance consultations.Affordable Insurance?Finding affordable health insurance has never been easy; it is not "one size fits all." Now, with the increases in policy rates, hardly anyone in Florida can "afford" to stay healthy. Depending on your current state of health, budget and individual needs, the best insurance for you may be far different than the best insurance for a friend or another family member. What can you do protect your family? Contact an expert insurance consultant and talk to them about your needs. They can show all available policies, not just one policy from one carrier.Florida's new governor may or may not help the situation. Residents say "without new laws to protect them against insurance companies there is no help in sight." Don Winters, longtime resident of Palm Beach said in an interview with F.N.N., "Either we get affordable health insurance, or we'll find a Governor "like Arnold" who will get it for us ... there is no other option."One thing you can do to find the best policy now for your health or home is to have a basic understanding of the various types of insurance that are available in Florida, and what each does and does not cover. That can be helpful in determining which plan will work best for you. Before you buy insurance for any purpose, a talk with a "Florida health insurance consultant" can save literally thousands of dollars per year.Picking Policies"Which policy to choose, how much deductible is right, is my prescription drugs covered" these are the things that are on most people's minds when they look for health insurance. In Florida there are many insurance agents, selling their special type of health insurance policy. These policies vary from agent to agent, even in the same city, so the best bet is to search all available insurance companies through a insurance "portal": www.FloridaHealthInsuranceWeb.comTraditional health insurance is called "fee for service" or 80/20 coverage. This is most likely the type of insurance that you grew up with. With that type of health insurance, you are entitled to visit any doctor you choose, and the insurance company pays 80 percent of the bill.Explain: 80/20 PlansThis (80/20) type of insurance offers the greatest flexibility, but carries the highest out of pocket expenses. One thing to remember ... a deductible must be met before the insurance company will pay a dime. Another point to remember about buying health insurance; the lower your monthly premium, the higher the deductible will be. The insurance company usually reserves the right to cap payments if, in their opinion, the doctor's fees are higher than what is thought to be "reasonable and customary" in your area. This is an excellent type of coverage to have if you become extremely ill and require a network of specialists, or if your medical bills are astronomical. Once your expenses for the year reach a certain level, the insurance company will take over and pay 100 percent.PPO
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