Jun 10
30
There Are No Dumb Questions: Florida Health Insurance Explained – Part 3
This week will conclude our series on the most common Florida health insurance questions. This week’s questions come from two of our personal insurance clients. In the current economic climate, many of our customers are asking us how to cut corners and save money on their insurance policies. This happens a lot when discussing health insurance.
A few days ago, one of our life insurance clients from Sunrise, FL asked us to quote her family for health insurance. She is currently working part time and her employer is not offering a sponsored plan. She was shocked to see the price of footing the bill herself. Her question to one of our agents was:
How can I survive without health insurance?
As insurance professionals, our agents never recommend going without proper coverage, especially when it comes to health insurance. Health insurance is one of the single most important forms of coverage one can have. As we explained last week, health insurance saves you and your family from costly medical bills that can cripple you in debt. Without health insurance, you have to pay for doctor’s visits, consults, emergency room visits, prescriptions, and more at full price. Many people don’t realize just how expensive these things can get until they are left without coverage. To answer the question at hand, unless you have an unlimited resource of funds, you really can’t survive without health insurance coverage, especially if you have kids. Children require regular check-ups and physicals and routine visits to the dentist, eye doctor, etc. The cost you pay upfront for a health insurance plan will save you a lot more money down the road.
Our agents tend to get a lot of questions regarding what health insurance companies will and won’t cover for costs. Last week we had a call from a frantic client asking this question:
I have numerous medical bills that my health insurance company won’t pay. Where do I turn?
Health insurance companies reserve the right to deny a claim for numerous reasons. If you’re in a group plan through your employer, it might be that you didn’t get something approved by your plan prior. Sometimes even when you take all the right steps, the company will still deny your claim for one reason or another. The safest way to prevent a claim denial is to never assume what is detailed in your plan. If you think your specialist is in your network, double check before making your appointment. If you’re not sure if dental is included in your plan, read through before your visit.
If something is not outlined in your plan coverage, there’s not much you can do other than pay the bill yourself. Sometimes employers will pick up the tab, but in most cases this only happens if there was a change to your plan coverage and you were not notified.
If your employer offers, you should take advantage of a Health Savings Accounts (HSA). HSAs are savings accounts separate from your health insurance plan in which you can contribute money to in order to pay for non-covered health costs. HSAs can cover things like braces, glasses, prescriptions, and more.
Have more Florida health insurance questions? Visit our website, www.headquarterinsurance.com today for more information and a way to contact our agents. We’re happy to answer your questions and find you affordable health insurance in FL.
