Tips for Buying Insurance

The ever-changing insurance marketplace can be overwhelming and hard to understand. We’ve been helping people just like you for over 30 years, so below you can find a few tips that we’ve learned along the way.

Health Insurance Buying Tips

Finding insurance that meets your needs and the needs of your family is not a difficult task. It is important to decide what benefits are most necessary, and then work to fit the most important features into a plan with a premium that is reasonable for your budget.

Identify the Coverage Benefits You Require

Coverage benefits may include:
Maternity coverage, Prescription coverage, Well child care, Immunizations, Emergency visits, Annual physicals, Dependent coverage, Physician office visits, Specialist coverage

Estimate How Long Coverage Will Be Needed

Temporary insurance may be best if you are waiting for new group coverage to begin or if you are between jobs. A permanent individual policy may be best if you need long term coverage.

Consider How Many Times You Will Have Medical Needs

If you are healthy, you may wish to select a plan that will cover only essential needs in the event of an unexpected accident or illness. If you have more regular medical needs, more extensive plans may be best.

Measure Your Tolerance for Financial Risk

High Deductible Health Plans may be best for you if paying out of pocket for some prescriptions and a few doctor visits per year will not be financially damaging. Lower deductible plans may be better suited to those that would be financially damaged by covering some unexpected costs out of pocket. Premiums are higher for lower deductible plans, however.

Only Use Licensed Agents

Having an insurance agent can ease the burden in times of need. An agent can help you submit claims or find out if conditions are covered quickly. Having an insurance agent available to help can be valuable and costs you nothing!

What to Bring to Your Health Insurance Agent

Health insurance can be confusing, but it doesn’t have to be. This list provides you with the tools needed to make the most of your time with your health insurance agent.

Still Need Help? We Can Help You Find the Right Policy.

Instead of trying to navigate the confusing insurance marketplace alone, contact us today to request help from our experienced team of agents. We understand the ins and outs of the industry and will be able to help you find the insurance plan that’s right for you and your family. Oh, and our expert advice is always free.

Step 1: Contact an Agent

Our expert team of agents is awaiting your phone call. We have served over 150,000 Floridians, like you, in the past 30 years.

Step 2: Compare Plans

Your agent will work with you, explaining all of your options and giving their expert advice to find the perfect plan that fits all of your needs.

Step 3: Finalize Your Policy

In one phone call, we’ll finalize your policy.

 

 

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