Cutting Family Health Insurance Costs

Everyone in the US today knows that health care costs are going up. There are some ways to cut costs and reduce the family debt.

“For any family that is paying any part of their health insurance cover, they know the cost of everything is going up. Often that can send a family into sheer panic, wondering how they are going to keep on paying for their Florida health insurance,” said Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

For those on a budget, there are some great ways to cut a few corners and save some money. The first tip and the most obvious one, is speak directly to your insurance agent. “Not many people think to do this, which is a shame, as these people have ideas that may save you money just by asking them. For instance, changing plans, switching companies or upping your annual deductible,” Tunis suggested.

Another surefire way to save money is to opt for having limited access to health care providers. While this will mean you won’t have the freedom to see whomever you want, it will save you money. “Of course this is a personal decision and if your family would rather stick with their preferred doctor, then that is likely the right decision for you,” added Tunis.

“Something else that you need to consider is pre-existing conditions. If you or someone else in your family has a pre-existing condition, don’t change plans until you have – in writing – a quote for coverage from the new provider stating it will cover that condition,” Tunis suggested. For those that don’t do that, they might find themselves without coverage for their condition or having to wait for anywhere from six to twelve months for coverage to kick in.

If a Florida health insurance quote comes in with a really, really low rate, best read the fine print, because it’s likely not a good deal. Put another way, if it doesn’t have the coverage needed, the policyholder ends up shelling out money. It’s a good idea to actually pay a bit more a month and know without a doubt that coverage is in place.
In order to be a bit creative in saving money on buying Florida health insurance, make sure you talk to the local insurance broker. They know ways to save money on buying health insurance and that will be a direct benefit to the budget.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Sunday, May 30th, 2010 Press