Florida health insurance is big business. Unfortunately, sometimes it turns out to be monkey business.
When shopping for health insurance in Florida make sure to be wary of your agent. Firstly he should or she should be licensed with at least 6 health insurance companies. Also you should be familiary with all of the names that he mentions that he represents. So if he says Mega, or American health plan simply hang up the phone. Make him/her email you quotes to prove that they are actually licensed with these companies.
These Florida health insurance scams operate in every state and are stealing millions of dollars from innocent victims. And sometimes, you don’t find out until your medical bills go unpaid.
There are a few common warning signs when you are about to get ripped off:
- The plan appears to be health insurance, but the agent used words such as “benefits” and “coverage” instead of “insurance.”
- You are asked to pay an expensive “application fee” or “association fee” in addition to the premium. The only companies that have application for health insurance are scams. Even United Health Care which has a $3 Fact Fee association fee is not necessarily good.
- The insurance company has no local offices and you have never heard of them, though the broker you are dealing with of course should be independent.
- The broker using high pressure techniques tells you the rate is changing the next day or something to this effect. Yes rates do go up quarterly but the chances of it happening on any particular day are 4/365 which is about 1%
- The plan you are applying for has no underwriting and will 1accept all applicants. Serious medical issues like diabetes do not change the rate (though we are hopeful health reform will fix this)
- All health insurance plans are within 25% of each other in terms of premium, if you get a very low quote investigate why
- If the broker claims to send you product materials only if you sign up.
Of course…as the old saying goes…If it sounds too good to be true…it probably is.
echealthinsurance.com, Florida’s premier resource for Florida health insurance plans, never uses any type of “discount plan” or any insurer not rated “A” by A.M. Best Company. To instantly view, compare and apply for high quality health coverage, See some health insurance quotes now!
