Affordable Florida Health Insurance

If you open up your mind just a little, I can show you how to save a lot of money on your health insurance.

The plan I am about to describe is not for everyone. Some of you will feel a little "naked" and will want more coverage. But, if you are a little older and want to cut your health insurance premiums down in a dramatic way, take a few minutes and read this article.

We can do this for many other types of coverage, including life, long term care, etc.

Let me jump right into an illustration.

I will use a 40 year old male in generally good health. In addition, I will run the illustration for South Florida, where it is more expensive for health insurance, as well as Central Florida, where it is less expensive.

For this example, I will use a national plan that has a physician co-pay of $30, covers brand name prescriptions after a $500 deductible and has a total out-of-pocket maximum of $5,000 ($2,500 deductible and $2,500 of coinsurance).

This plan is $200 a month in Miami-Dade County and $158 a month in Orange County. No, I am not advocating moving. Just hold on a minute and give me a chance to explain this.

Now, I am going to propose something radical. I am going to offer up a plan that has a $7500 deductible and then everything is covered 100%. But, it will only have a $1,000 deductible for prescriptions and it will cover a physical (pap and mammogram's for women) without any deductible at all.

How much? How about $99 a month in Miami-Dade County and $60 a month in Orange County!

In each case, it is a savings of about $100 a month.

The Savings are More Dramatic for a Couple or Family

Is This a National Carrier?

Yes, this is a huge carrier. All of the plans we represent are from Fortune companies with national networks.

Physician Visits

With the first plan, your liability was $5,000 and with the second it was $7500. But, the second plan was $1,200 a year cheaper. So, after two years, you are about even. The chance of meeting either deductible is very, very slim.

With the more expensive plan you could go to the doctor for 30 bucks and see a specialist for 40.

With the lower cost plan, you still get the PPO rate for all visits. So, you could expect to spend about $55 for a regular visit. If you went to see your physician twice a year, it would cost you about $50 more. But, remember you saved $1200.

Prescriptions

Most generic prescriptions are under $20. Getting them for $15 with the more expensive plan is nothing to write home about. They both have high deductibles for brand name prescriptions. Unless, you are deathly ill, you will not meet either deductible.

Is any of this starting to sink in?

Hospital

Your liability is $2,500 more with the cheaper plan. But, you save $1,200 a year. After two years, the liability is the same since you already saved the difference in your premiums.

Am I Well Covered?

They both will have $5 million dollars of lifetime coverage. Yes, you are extremely well covered.

Why Doesn't Anyone Offer This Plan To Me?

Well, if an agent works on a commission which is a percentage of premium, they make a lot less money. Plus, most of you would reject the plan as having too high a deductible. Sometimes, it is not worth the fight to convince someone to take something that they are initially opposed to. Why bother?

We offer it because we sell a ton of health insurance. Our thought is that you will tell other people about us. Plus, you will start to ask, "If you are this honest about health insurance, what other types of insurance do you offer and can you save me some more money?"

Where Do I Get More Information?

You can give me a call at 800-272-0512 or send me an email by clicking here.

FLQUOTE.COM - A Full Service Insurance located in Florida

1-800-272-0512
1-954-757-0033

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Affordable Florida Health Insurance

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