Health insurance rates in Florida are some of the highest in the nation. Here’s how to find the most frugal Florida health insurance quotes from top-rated outfits.
Florida Health Insurance Plans
There are 2 types of health insurance plans:
* Indemnity plan - This plan lets ya choose your physicians and pays for for all or part of your medical expenses. This is the most costly health insurance plan.
* Managed care plans (HMOs, PPOs, POSs) - These plans set ya up with a network of health-care providers and hospitals, and pay for medical expenses within that network. Depending on the plan, ya pay all or part of your out-of-network expenses. These plans are the most frugal health insurance plans, with HMOs being the most frugal.
Health Insurance Coverage
Whatever plan ya choose it should include the following coverages:
* Hospital coverage - Pays for your room, board, and medical services when ya’re hospitalized.
* Surgical coverage - Pays for surgeons fees and other surgical expenses.
* Physicians coverage - Pays for your physician’s office visits and your physician’s hospital visits.
* Major Medical coverage - Pays for medical expenses from a catastrophic injury or sickness like cancer.
In addition to the above coverages ya may want your plan to include prescription drug coverage, dental care, vision care, mental health-care, and maternity care.
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