What kind of mistakes are made when hunting Florida self employed health insurance? The first mistake people make is lack of knowledge. You need to know your option to make an informed decision. Your local agent can provide you with details on many plans you can afford. The Cover Florida plan provides a few options to consider if you cannot afford others. Six companies provide plans designed for the uninsured at lower rates with basic coverage. People must be without coverage for six months or just released from a job with an employer health plan. They must be adults and younger than Medicare age. Pre-existing conditions trigger up to a year's waiting for coverage for that condition.
Another mistake people make when hunting Florida self-employed health insurance is not looking at all their options. Beside the Cover Florida plans, companies offer other plans at affordable rates. The coverage is often better than the basic plans and still affordable. Make sure whatever company caught your eye has a solid reputation. See how customers rate them on customer service and coverage. If they have several complaints about dropping people for no good reason, avoid them like the plague. This search will help you narrow down your search.
Another mistake people make when hunting Florida self-employed health insurance is lacking the knowledge of what coverage to get. Employer based plans spoil many people. They give several visits to the doctor each year and help cover medical tests and emergency care. Many private plans do this as well. However, they come at a high cost. To get lower premiums, you may need to compromise on what is acceptable and what is not. You want coverage for medical emergencies. You may want coverage for basic medical exams and tests. All of it comes with a cost.
One other mistake people make when hunting Florida self-employed health insurance is not taking time to get online quotes. Your agent's inside knowledge is a big asset. However, educating yourself on your options is even more important. When you get information on what things cost, you can narrow down what you are looking for. This makes your visit with your agent more productive for both of you. It saves you time and hassle and it saves your agent the same things. An informed consumer is a happy one. Without the knowledge, you wonder if you could have gotten a better deal.
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