5 Common Mistakes Made When
Buying Health Insurance

1. Not Being Prepared:
Health insurance, or any Insurance for that matter is for when the unexpected happens. With health insurance it could be used for anything from a chronic sinus infection to a major illness to an accident or injury. It is always preferable to be prepared for all of these situations.

Obviously we all need the best coverage for our money. By not being prepared, you have no way of preventing a catastrophic loss to you and your family. Even after they fully recover…what would all of those medical expenses do to you and your family’s lifestyle? It’s enough to have a health crisis come up, what would happen if you had that same situation without a comprehensive health plan in place? It would be like driving around with no car insurance. Unless you are wealthy, most of us can not afford to fix or buy a new car because someone drove into our car and totaled it. The same goes for your health and well-being. Have you implemented a plan that gives you the optimum care when you need it most?

2. Not Shopping:
Shopping for health insurance can be a really boring, tedious and daunting task. It really requires some sound advice and guidance from someone who has had experience in what is available and what you can afford for your money. Here at FHIA we want to make sure that when we shop with and for you and your family, you get the most protection for what you can afford. Not everyone can afford every bell and whistle but we know how to pick the plans that cover the most for your hard earned money.

3. Not Knowing Carrier Rates:
When you're shopping for health insurance it’s best to not focus only on price. There is a huge variation with price versus coverage. It isn’t necessarily the most expensive plans that have the best coverage. If your agent is able to shop and compare you will find there are many options available. At Florida Health Insurance Advisors we have access to so many plans that you would not be able to understand on your own. We know how to navigate through all of the product options and weigh the cost vs.. the protection. We know the companies reputations, their strengths and weaknesses, how well they pay your claims, your coverage and total risk involved.

Don’t do this on your own. Why would you when you pay not a penny more to have your own reliable health insurance agent on your side to guide and support you in your decision?

4. Not having an advocate:
Again, why go it alone and have no personal service, no advocate, no one person with knowledge and experience in handling your health insurance? Especially when you realize this is without any cost to you. No risk, no problem. Better insurance! Unless, maybe you would prefer using a call center and getting that random person who has no idea who you are, who your family is and will hang up and move on to the next call. I’m sure you would prefer personalized service with an agent who welcomes that business relationship with you.

5. Not Understanding Your Policy:
Not understanding what deductible and co insurance means is quite normal. We at FHIA try to make sure you understand what your total risk is.

People aren’t always aware of their benefits, limits, exclusions and other options in their plans. We will be there to clear up anything for you that you don’t understand.

What happens to your plan if you suddenly have a job opportunity in another state? Is it transferable? If someone has had a major illness or accident and had ongoing health needs this could be a devastating issue. Many plans are not transferable so what you were being treated for could be excluded if you move to a state where your carrier doesn’t issue health insurance. Some plans follow you wherever you move in the US. We know the answers.

Do you know what happens if you get hurt at work with the plan you have or are looking at?

Do you know if your plan is fully comprehensive or a discount plan? A discount or indemnity plan can be just as expensive and sometimes more expensive as a comprehensive plan. How will you know if you shop on your own?

* Don’t skimp on your health insurance, no matter how great you feel now. Get as much protection and limit your liability and risk as much as you can. An accident or illness is no more planned then a car crash and we all have car insurance. Take all of the possibilities into account BEFORE you need it.

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