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Family Penalty #1 Best Idea!
Do you have a "Family Employer Group policy" through work?
Consider putting the kids on their own individual policy.
Individual rates in Florida are a lot less expensive compared to group rates.
Ex. Male (age 18) 2500 Deductible $30 copay (unlimited Dr. visits, deductible waived) $98 approximate 4/1/2010
Compare that rate against what you are paying in group coverage.
Typical group policy $300-400 per person.
You may be able to save thousands of dollars every year !
See detailed example of $4219.19 annual savings (1 child)
Call or click Rates & Plans
Use a higher deductible.
Increase your deductible, but do not give up preventative check-ups.
Some carriers are now offering no charge $0 Mammogram, Pap, PSA tests
with deductible waived and no copays!
That could be a $1000 + savings compared to some other carriers that do not give free preventative.
Save for a higher deductible next year or check out HSA plans.
Use an accident plan for active children and adults instead of lower deductibles. We can help with this too.
Try not to buy a lower deductible because you are worried about the emergency room.
Use an inexpensive "Supplement" accident plan that will help pay
for the emergency room with no deductible at all.
Start exercising daily for 1/2-1 hour +.
Very important "Have Fun"!
You will lose weight, sleep better, and if you smoke you may stop.
It is tough to exercise and be a smoker at the same time.
People who exercise a lot eventually stop.
Some plans charge more for overweight applicants. BMI Calculator
Smokers are also considered as an added risk and will pay more for Health Insurance.
Get a plan that helps pay for losing weight and quitting smoking. Ex., Aetna and United Healthcare .
Call us to hear the details !
Consider prescription deductibles & generics.
Health insurance carriers can really get expensive for the prescription coverage.
Generics now $4-$6 at Publix, Walgreens, Target
Note: Having a health policy with a drug plan can help save on brand and preferred brand drugs,
because the insurance carrier has a negotiated rate, lower than the retail price!
Always ask your doctor for samples and generics.
Natural cures are worth checking out.
Example- Kefir (Yogurt) is considered a great cure for irregular digestive problem,
one of the oldest known remedies for digestion.
Costs about $4 a quart. Tastes great!
As always check with your Doctor first before trying any natural cures.
Get a Florida plan.
If you have an out-of-state plan that you brought with you,
you may pay more for care, because you are out of network!
Urgent Care Centers
For non critical emergency help, most insurance companies have low co-pays for these centers.
Ask your Healthy Florida representative which carriers offer the lowest copay !
Different policies for parents than children.
Some insurance carriers have lower rates for children than others.
It may not be the same one that is very expensive for adults.
Fit the policy to the person's needs. It is possible that it may be different than yours.
"One size does not fit all"
Stay in network
All Florida health insurance plans have networks.
Going out of network with a hospital can be very costly. Stay in network whenever possible.
Healthy Florida will be glad to check Hospitals and doctors in your area.
Go to "Doc Finder" on the home page.
Read the Plan Summary before you apply.
Really get to know the plan you are considering.
Try to think of scenarios. For example, "I am now at the hospital, now what?"
When you finally get approved and get the policy in the mail, read the Outline of Coverage.
Look at the hospital coverage parts and the physician and prescription coverage sections.
Try to avoid surprises in your bill after care...
Work with an agent. Get serious. It is your $ and your healthcare. You deserve personal and reliable consultation.
Healthy Florida offers plans from the highest rated companies in the nation.
Aetna, Cigna, Humana, United Healthcare ,Mutual of Omaha, AARP etc...
Healthy Florida is appointed with over 40 companies. Captive agents who sell for one company cannot offer you the selection you need. Experience is really important for your care.
Our services are free, and we will comparem any plans with knowlege and patience.
Our licensed experienced consultants work for you. We care greatly about our clients needs and budgest.
Want to make Healthy Florida your Agent? You can change without changing plans!