BUYING INDIVIDUAL HEALTH INSURANCE FLORIDA

How To Decrease Your Health Care Costs

Lower the number on your monthly premium statement by buying individual health insurance Florida correctly.  There are many ways to decrease your health care costs, including:

 

         Do not choose a policy that features benefits you will never use.  For example, if you are a reasonably healthy individual with no current chronic conditions, you likely do not need the low deductible ease of a prescription card.

         Look at the number of doctors visits that are included in your plan.  If you do not need unlimited visits, consider looking at another policy.  You are paying for that benefit, and a person who is only getting a yearly physical is not taking advantage of the benefit.

         Determine your utilization rate before buying health insurance Florida.  What are your predictable costs?  Remember: health insurance is largely a safety net for emergency situations, which are never predictable.  Always factor in the possibility of catastrophe when selecting coverage.

         Take advantage of wellness-related benefits.  Many health insurance companies extend a wellness program to policy holders.  These can include gym discounts, informational websites and more.  Get healthier and you will lower your risk of heart disease, certain cancers and diabetes - and lower your need for doctors visits and medications. 

         Go through your typical year, month by month.  How many benefits will you actually need?

 

Discover more tips regarding how to decrease your health care costs.  Speak to an Allegiance Financial broker and purchase a policy thats personalized for your unique health risks. 

 

Call (813) 837-5363 today.