With all the talk about healthcare these days, you are probably aware the healthcare delivery system in America is flawed. However, you can protect yourself from meeting future financial ruin by purchasing one of the most comprehensive Florida health plans offered by a carrier that will be there for you in your time of need. In a way, buying insurance is a gamble. You are betting something is going to happen to you and the insurance carrier is betting nothing is going to happen to you. What’s most important to know is that you are investing your hard-earned money into a Florida health plan that is comprehensive and will not catch you off guard when you go to use the plan.
Here are some key points you should be aware of while shopping for insurance:
1.) First things first. Get onboard with a solid Florida health insurance company that is in good financial standing. A.M. Best is the recognized authority for rating insurance companies for solvency. The website to A.M. Best is http://www.ambest.com. At RTC Insurance Advisors, we ONLY do business with A Rated companies so you can rest assured that the company will have sufficient funds and still be in business if and when you need to put in a claim.
2.) Don’t buy on price alone! Many consumers fall into the trap of thinking they have a major medical plan, but later find out they are on a discount medical plan, also known as a schedule of benefits plan. When does the consumer find out? When they go to put in a large claim of course. For a detailed explanation of how a schedule of benefits plan works, call us.
3.) You have plenty of options for medical insurance Florida. Are you rates going up? Are you looking for better coverage? Well, as long as you are healthy enough to move to another carrier, meaning you have no pre-existing conditions which are declinable, it might be in your best interest financially to switch carriers to save premium dollars and increase the scope of coverage on a more current plan. You are not stuck having to remain on your current Florida health plan forever. You might be thinking, “Yeah, but my Doctors might not take a different insurance carrier.” That is where we can assist you. We would not recommend a Florida health insurance plan unless we first check to see if your doctors are in network. This is one of the many services we do for our clients. We are privy to all network information.
4.) Work with an agent who offers multiple carriers and has a full understanding of the plans each Florida health insurance company offers. Don’t settle for an agent pushing one carrier. This limits your choices and the policy may not be the best option for you. The last thing you need is to get on a plan that does not suit your needs and then an unfortunate event occurs. Working with a licensed agent with multiple carriers and plan options does not mean you pay more for your policy. Actually, the price is the same as going direct to the carrier. Agents are paid by the insurance carrier so we do not charge a fee for our services.
The above information are just a few pieces of information RTC Insurance Advisors wanted you to be aware of before buying one of the new Florida individual health plans or switching insurance carriers. Contact us today and we will address any additional questions or comments you may have in sorting out your options. We pledge to offer you the most knowledgeable and straight-forward information to make your first insurance policy purchase or insurance carrier change a breeze.