Finding cheap health insurance is a must these days. While many don’t think that’s possible, it is.
Sure, people want and need to save money wherever they can during these tough economic times. If they choose to “not” buy Florida health insurance because they can’t afford it, while that is their choice, it’s not a wise financial choice. The reason for that is because everyone needs a doctor at some time in their life and if the person without health insurance needs medical care, it will cost them more “then” than it would have cost them to pay monthly low health insurance premiums.
Think about that for a minute. A broken leg can run up to $60,000 or higher. If you went to the hospital without health insurance and were billed for that, how would you pay it? If you had Florida health insurance, while you might still find it hard to pay the bill, you would not be paying the full amount of the bill. Doesn’t it make sense to have health insurance for a low monthly premium to avoid being in that situation?
Not having health insurance and needing medical care could also potentially wipe out all your savings. Is that something you really want to happen? Most people would say no and those who don’t have much in savings understandably want to horde what they have. If a medical crisis ruins their plans, they have nothing left. This is, in fact, one of the reasons for so many medical bankruptcies in the US today.
There are so many different health care plans on the market today, that there is one for every person and family, even if they aren’t earning a lot of money. All you need to do is ask a skilled health insurance agent what plans would suit your circumstances and then work as a team to find the right coverage for you and your family. While you’re at it, also ask exactly what is covered and what is not.
You need to ask what is covered and what isn’t because if later on you need to use your health insurance, you don’t want to find out when you are about to pay the bill that “none” of it is covered by insurance. This has happened, so take the time to get to know what is in your particular policy. If you just want the basics, discuss that with the insurance agent. If you want a few bells and whistles, then ask about that as well.
Shopping for health insurance these days is a bit like ordering off an a la carte menu; you can have just about anything you want that suits your fancy – and in the case of health insurance – suits your budget. Get more than one quote, talk to more than one insurance agent, and ask your friends what they have or don’t have. This is all valuable information to get before you decide what may work for your needs.