Finding a knowledgeable local agent is the first step in getting the best deals on your health insurance. He or she, can show you how your present coverage compares to what is now available to you based on your medical history and your budget. Did you know that insurance companies actually penalize you for staying with them for more then a couple of years? That's correct, the rate you are paying now is probably higher then what someone new would be paying for the same coverage with your present insurer. That's why it's important to shop for better coverage every couple of yeats and to stay as healthy as you can.
The first thing you need to do is to work together to find what you are looking for. Then you need to get a list of realistic quotes based on your medical history and budget. Whether it's a health insurance plan for a Central Florida resident, life insurance or even disability, the final premium decision is left to the Underwriter. This is where the experience of an Independent Agent is extremely helpful. You need to be aware from the beginning of what to expect in terms of your final premium so you can make an informed decision of which plan to choose.
No one company has the "best" health insurance plan available
Health insurance in Florida is a highly competitive market. Each insurer survives by capturing market share where others have failed. Let's take a quick look at an example of how this works. Take the XYZ health insurance company. They have an "A" rating from AM Best and they are a national, Fortune 500 company with great earnings and a long track record. As are several other health insurers in Florida to be sure. But a savvy agent realizes that each insurer has a price advantage in certain situations. In this case, the XYZ Company has great rates if you have a family with three or more children. The reason they do is because they have a flat rate for families. This gives them an advantage because other companies charge you per child.
What about preexisting conditions? Did you know some carriers only have a six (6) month "look-back" provision while others employ a 12 month look-back for preexisting conditions. Height and weight issues? Or how about child only coverage? These are all areas where the services of an experienced local health insurance agent that is a Central Florida resident as well.
This is the type of information that is valuable to someone shopping for health insurance that the regular person shopping on his own does not pick up on.
Maybe it's time to take the guess work out choosing your next Florida health insurance plan.
If you are looking into health insurance plans for Central Florida residents, then it's a good idea to get started checking rates online from a Central Florida website. Remember though, checking rates from the top insurers is only the starting point. Good Florida health insurance agents are not easy to come by, especially one right here in your back yard.