Insurance Quotes

Approximately 17% of all Floridians can’t afford medical insurance of any kind. Fortunately there are ways for you to stay insured or to get medical insurance if you aren’t insured now, even if you’ve little spare money each month.

Let us start with your kids. If you’ve kids 19 years of age or younger who are not covered by any medical insurance – even if one or more of them has a preexisting condition – it may be possible for you to get them very cheap state-sponsored medical insurance through a program known as KidCare.

To see if your kids qualify for KidCare health coverage  go to: http://www.floridakidcare.org/

If your place of employment doesn’t offer group medical insurance then check around with any organizations that you belong to. Many times automobile clubs, fraternal organizations, even churches have some form of group medical insurance that they can offer to members at a tremendous discount over individual health care.

Group heathcare has one other advantage – they often accept preexisting medical conditions that individual heathcare doesn’t .

If you own your own home-based companyand you’ve been operating for at least six months there is a special Florida law that may allow you to get group medical insurance even if you’ve no workers or if your only employee is your spouse who helps out on even a part-time basis. Check with your insurance agent to see if you qualify.

While you’re talking with your insurance agent ask if you qualify for a multi-policy discount on your medical insurance. If you’ve more than one insurance policy with the same business you may be entitled to a break on your monthly heathcare premiums.

Also, if you’ve been with the same insurance company for at least 5 years ask if you qualify for a long-term policy discount. The majority  insurance businesses will give you one if you ask for it.

If you smoke or use any tobacco product – stop. Period. you will never get the cheapest heathcare available if you smoke, use chew or any other tobacco product.

Your weight also plays a role in how much you pay for medical insurance. Losing weight is more challenging than quitting smoking for most people, but losing even a little weight can drop you into a lower weight and price category and can save you hundreds of dollars each and every year in premium expenses .

Don’t participate in dangerous or extreme sports if you want to get cheap medical insurance. Obviously if you go out of your way to put your health in jeopardy you’re not going to get the cheapest rate available for your medical insurance.

Consider carefully what the maximum percentage is that you can afford as a co-pay each time you see your doctor. If you can afford a 50% co-pay you will get a good break on your monthly premium. That’s an extremely good idea for people who do not see their medical provider on a regular basis.

Another critical question to ask is how large of a deductible can you afford to pay? Your deductible is cash that you need to pull out of your own pocket to pay for your own heathcare each year, so think about this carefully and be honest about how much you can really afford to pay. The more you can pay – the largeryour deductible – then the less your insurance company will charge you each month in medical insurance premiums.

Now take everything you’ve learned in this article and create a medical insurance policy that is designed to save you the most money possible. Once you’ve done that then get internet-based and find at least 3 different Web sites that let you make side-by-side comparisons of medical insurance programs and their prices from different insurance businesses.