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Wednesday, November 25, 2009
Florida Medical Insurance -- Seven Tips To Cut Down Cost
Do you want cheap rates for sufficient coverage? If so, the following tips will help you reach that goal...
1. Reduce you weight and your premium will reduce. An insured's Body Mass Index (BMI) is a strong factor that determines how much an individual pays as rate.
A high BMI will always get an expensive rate all other things being equal. When your BMI rating is high it shows that your weight is too much for your height. And don't think that you will get savings only when you lose fifty pounds, just losing a few pounds will get you lower rates provided it alters your Body Mass Index rating.
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2. It's now generally known that smoking will attract higher rates. What many might not understand is that this is also true if you use any other type of tobacco product. For example, you will attract a higher premium if you chew or snuff tobacco.
Staying clear of all tobacco products will result in more affordable Florida health insurance.
3. Believe it or not, your driving culture can have a negative effect on your Florida health insurance rate. Being convicted of traffic violation is not just bad for your car insurance rate it also has an effect on your Florida health insurance rates. The simple reason is that if you are such a driver, you'll more probably need medical attention for crash related injuries than a very cautious driver.
Improving your driving history and developing a good driving habit will reduce your premium. Super-fast automobiles like sports cars and power bikes will attract a more expensive Florida health insurance premium. The plain reason remains that you increase the chances that you will make claims soon.
4. While looking for cheap Florida health insurance be certain that you don't become carried away by just the most affordable rate. What you want isn't just the lowest quote but that which represents the best price to value ratio. Depending on your profile, you can get really cheap rates that offer you the quality you want if you shop well. Howbeit, if you need to pay little more for the correct coverage, then pay more.
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5. Settling for catastrophic Florida health insurance policies will help you save substantially in Florida health insurance and is recommended if you are rarely sick. You enjoy coverage for those health conditions or medical needs that may arise suddenly.
The best part of this policy is normally seen in cases where a health condition or accident makes the patient incur very high medical bills that would otherwise destroy most people's life savings. The name certainly does offer a clue of what it protects against. Catastrophic Florida health insurance rates are normally very low.
What are generally high are the deductibles which can be as much as $2,000. However, bearing in mind that you are protecting yourself from accidents or ailments that would make you spend tens of thousands of dollars such deductibles are not quite that high -- Relatively.
6. A Flexible Spending Account is invaluable as you look for ways to reduce your spend. You can save tax-free dollars to take care of your health needs. The interesting point about this account is that it allows you to carry over the amount unused into the next year tax free. With this account you can actually have a substantial amount to meet your health needs.
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7. If you're a drinker your rates will be higher than a another profile that isn't a drinker. Drinking adds to your health risk.
Most diseases are made more likely by taking alcohol.
What quantity of alcohol can you take without dire consequences? I can't really say as there are people who can drink a bottle and still maintain their cool while some will take just half a glass and then go bersek.
What I know is the fact that avoiding alcohol use is would help a lot. So you can lower your rates (Apart from reducing the probability of developing certain health conditions) by avoiding alcohol if you can or drinking in real moderation if you can't.
But I'm told it is more difficult to drink in moderation than it is to quit. There are organizations that are out to help heavy drinkers to stay away from drinking. Simply ask about them.
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