Affordable Medical Insurance In Florida -- Tips To Apply If You Want It

Do you want to get superior Florida health insurance at very affordable rates? There are things you must take note of and implement if you're really committed to getting big discounts. I'll show you some of them in this article...

1. There are drugs that are big brand names. Drugs that have such brand names are more expensive than comparable drugs and so increase your premium. For those who don't know, the law stipulates that every drug must consist of the same active ingredients irrespective of if they are brand name or generic. The inactive ingredients are the only differences between generic drugs and brand names.

The truth then is that you only spend more when you buy an established brand name drug and do NOT enjoy anything extra in value. Ask your doctor about this.

2. A straightforward but rewarding way of lowering your rate is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurer with your premium payments without any intervention from you until you stipulate to the contrary. This saves an insurer's overhead by eliminating the necessity of payment notices or checks. An insurance carrier gives you part of what they save by bringing down your premium.

3. For people who have a pre-existing condition that makes it hard or too expensive for them to enjoy private individual health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance could provide a more affordable alternative.

4. Certain states give home business owners an opportunity to lower their cost. Those states demand that insurance companies offer home based businesses similar rates as they do other (bigger) businesses.

Having just one employee qualifies a home business for such cheap rates in some states.

You can have your wife/husband or grown up child to work as a member of staff. Moreover, you will still qualify if that single staff works only part time.

This alternative gives lower 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 a provision, call your state's department of insurance, department of financial services or their equivalent.

5. Notwithstanding the fact that you're warned against self-medication, there are times when you shouldn't visit a doctor. For example, your doctor can really do nothing for someone who has a cold or viral infections. Applying some home remedies will actually help in such situations. 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 see a doctor when you already know that your situation won't be helped much? Other instances are minor cuts that just simple first aid will handle properly.
If you do not know such little things spend time reading books on them especially if you have little kids. Knowing a few simple procedures and having a well-stocked first aid box will help you save much on avoidable visits to a doctor.

But even in those cases if you're not certain of what to do go and see a doctor because it's better to lose money than to jeopardize your life. But, please, know your limits and don't forget that there are things you must take to a doctor even if you know what to do. There are cases you're not meant to even attempt if you're not a medical doctor. Handle what you should and let your doctor handle those he/she should. This will decrease your visits to the doctor and, consequently, bring down your cost.

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