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Category Archives: Florida Insurance

Basics of Florida Health Insurance

July 8, 2015

It is important to have Florida health insurance to help with any medical needs that you may have, from emergency room visits to standard physician visits. While some insurance companies may not cover 100% of all your medical needs, the cost of medical care without insurance is astronomically high. Your health insurance can ensure that you not only save money on some of the costs, but that you do not have to pay 100% of many different medical treatments and help you stay out of debt. Health insurance can also assist with the cost of medications as well which will help you to prevent paying out of pocket.

Understanding the Basics

While it is simple to understand the importance of having Florida Health Insurance, the basics go well beyond simply knowing that you should possess medical insurance coverage. One of the biggest things that you should take the time to understand is the various types of payments that you may encounter. Premiums, copays, deductibles and more, payments can be both easy to understand as well as extraordinarily confusing at the same time. These various payment types are extremely important to understand and you may want to speak to your insurance broker about the amounts you may see for each of these.


The premium for your health insurance will become a constant presence when you possess your Florida health insurance as this is the monthly payment that you generally make to keep your insurance active. You may be familiar with premiums when paying your car insurance, and health insurance premiums are no different. If you have insurance through your workplace, then you will notice that your premiums are deducted from your check with each pay period.


You may have heard people talking about the ridiculous amount they have to pay for a deductible with their health insurance, but do you understand what a deductible is? The deductible of your health insurance is the amount of money you need to pay towards medical bills before your insurance will begin paying for your treatments. This can be extremely frustrating when you have a high deductible and need medical treatment as the amount you will need to pay will be much higher than if you pay your deductible first.

Out of Pocket & Out of Pocket Max

Understanding that out of pocket is literally what you are paying for by yourself or out of your own pocket. This is generally what your insurance does not cover due to deductibles and copays. You’re out of pocket max or maximum is what you need to spend out of pocket until your insurance will cover the complete cost of your medical care. In many cases, the maximum amount you will need to pay is considered your deductible, however some companies do things a little differently.


Each time you visit your doctor, the emergency room, or even when purchasing prescriptions, the money you will be asked to pay may be called a copay. This is a set amount that you will pay for the services and medications that you need. Copays will general stay the same if you change doctors, however it will depend on whether the doctor accepts your insurance as well as what your copay is set to. Some doctors’ offices charge less for their copay than others, and this will greatly depend on the doctor that you are visiting as each physician’s office is different.

Getting Your Information

When you have questions pertaining to your Florida health insurance, it is best to contact to get the facts that you desire. With today’s technology you can also check your online account for the information you need about deductibles, copays, and other necessary information about your insurance. You can also find much of this information in your insurance info packet that you will receive upon enrollment in your insurance, no matter if it is with your employer or an individual plan.

Tips for Finding the Cheapest Auto Insurance Florida Offers

February 17, 2015

Getting good and reliable car insurance can be a frustrating experience. With hundreds of companies offering dozens of coverage plans each, it can be overwhelming deciding not only which plan is right for you but which plan is also right for your wallet. This can especially be true for drivers in Florida. Florida drivers are at a higher risk of damage from water or natural disasters. This makes finding Cheapest Auto Insurance Florida has very important to anyone on a budget.

Here are a few tips to get the best possible price on your auto insurance.

No. One: Get Lots of Quotes

Getting several quotes will allow you to see the coverage and the price options on the market for you. This will allow you to explore options and prevent you from simply accepting the first offer you find. Often, it will take a little knowhow and patience to find the perfect auto insurance provider unless you visit and get multiple quotes from one form. Even more, do not be fooled by companies offer bone-thin coverage with a tiny price tag. Often, these coverage plans are not even enough to meet the minimum requirements for loans or banks, meaning as you add protection the price tag will jump exponentially.  Always compare the price with the actual coverage to ensure your insurance is cheap in price – not in protection.

No. Two: Maintain a Good Driving Record

Speeding and Parking tickets happen to everyone – but not constantly. Having a myriad of speeding tickets will reflect very badly on your driving record and will often get you marked as a “high risk” driver. This alone will make premiums sky rocket. Furthermore, never drive without insurance, this will also make any future policies far more expensive. By simply following the driving laws of the road you can greatly decrease any future auto insurance costs. Having a record as a responsible and safe driver will make you a safe choice for insurance companies.

No. Three: Choose a Safe Vehicle

While many people may overlook this factor, having a safe vehicle will greatly reduce the cost of your Florida auto insurance. Certain vehicle features, while fun, will cause car insurance to jump. For example, having a car based on speed that has an odometer with a remarkably high maximum speed will increase premium costs. Furthermore, convertibles are also considered to be less safe for drivers than most other cars.  Cars with improved security features, high safety ratings, and high ranked protection features (ie. Airbags, backup camera, automatic braking, etc.) will see a severe drop in auto insurance premium costs.

No. Four: Always Check for Discounts

There are a plethora of discount on the market for responsible drivers. From common discounts (like military and student) to discounts based on driving record (safe driver discounts) to vehicle based discounts – there are discounts for just about everything. For example, cars with increased and advance security features like anti-theft alarm systems will get a discount because of the decreased chance of a car being stolen. Be aware of your car’s most advanced features before signing up for insurance, this way you do not leave discounts (and money) on the table.