| By :
Wiley Long
With the changes mandated by health care reform, September 23, 2010 marks a new beginning for better coverage with fewer out-of-pocket costs. That paves the way for you to get more Florida health insurance coverage at a lower premium price. Do you typically only need regular check-ups or possibly a flu vaccination? New policies for health insurance in Florida will be required to provide "recommended" preventive services whether you have met your deductible or not. This preventive care will also be free of co-insurance charges and co-pays. Since you'll no longer need Florida health insurance with a low deductible to make preventive services affordable, you can take advantage of less expensive plans. High-deductible plans typically have lower premium prices than plans with standard deductibles. Why spend more on premiums if it's unlikely that you'll need doctor or hospital care for anything beyond preventive care that's already covered at 100 percent? Switching to a high-deductible plan is just the first step in getting more health insurance at a lower cost. How Can You Have A High-deductible Plan And Only A $100 Deductible? Even though a high-deductible Florida health insurance plan will no longer make you pay extra for preventive care, you'll still have to meet the deductible before your insurance pays for other medical bills. What if you could change that, too? Does your work (or play) put you at higher risk for accidents? Just breaking your arm in a skiing accident can rack up more than $2,000 in medical bills. Most high-deductible plans won't be any help with a $2,000 medical bill, but you can almost totally eliminate your deductible in the event of an accident. For as little as $22 a month, you can cut your deductible down to a mere $100 in case you have an accident. Supplemental accident policies are an inexpensive way to prepare for the unexpected without paying for a high-premium Florida health insurance plan. How Can You Cut The Cost Of Lab Work By Up To 80 Percent? With a high-deductible policy, you'll also have to pay for any lab tests you might need until your deductible is met. Did you know you can reduce the cost of lab work by up to 80 percent? By ordering your own diagnostic lab tests directly from the lab, you can dramatically lower your costs, keep your medical records private and proactively manage your own health care. When you order lab tests directly, you bypass the middleman charges and you may even be using the same lab testing company as your doctor would if he placed the order. You can order the tests online, go have your blood drawn without making an appointment and you can often get your results online within 48 hours. Something like a Comprehensive Metabolic Panel, which may have cost over $250 if done at a doctor's office or hospital, can cost a mere $45 through a lab testing company that accepts orders directly from the public. With some or all of these strategies, you can keep what you're paying for health insurance in Florida low without sacrificing any of your health care coverage or quality. Saving with low premiums through high-deductible plans will still allow you to access preventive care at no additional cost. With a $22/month accident supplemental plan, you can reduce your deductible to only $100 for accidental injuries and with direct market lab testing companies, you can pay less than half the typical cost for lab work. With so many ways to save, Florida health insurance plans can provide you with quality care at lower prices than ever.
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