A Health Insurance Broker Is Vital in the Search for Health Insurance Policies

July 30, 2010 - PRLog -- “Picking out the right health insurance policy can certainly test one’s patience, but honestly, there are so many ways to make that process easier, that the more you know, the less you have to do to find what you need. Sure, it’s one of the biggest decisions you will make during your life and of course, it will directly affect your life too by the quality of the health care options you have,” remarked Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Many people tend to look at getting Florida health insurance as being something they really don’t need because they don’t see the doctor that often. “While that may be true generally speaking, what happens when a major life event unfolds – a broken leg, head injuries, broken ribs or heart problems? Medical bills for those events could put someone into medical bankruptcy. Get covered and put those worries on the shelf knowing if something does happen, your policy ‘does’ have your back,” added Tunis.

Finding and buying the right individual health insurance plans remains among the most important decisions you should make in your life. The policies are investments you should be taking by now before any health problem comes in. Here are several ways on how you could successfully whittle down your choices and maintain costs for co-payments, premiums, and prescriptions.

“Start looking for a policy that suits you in your immediate location; oftentimes they are much better prices than if you go nationally. Not to mention the fact that you will get personal service locally from an expert health insurance broker. Check around for pricing and make sure to ask lots of questions. After all, it’s ‘your’ health and you need to know what you are covered for and what you are not covered for. Who needs nasty surprises later?” Tunis pointed out.

“Before looking for Florida health insurance, make a list of all the things that are important to you; things you absolutely need to have and make sure you mention these to the health insurance broker. If you’ve taken the time to do that – identify your personal preferences – finding what you want is easier. For instance, let’s say you want lower premiums, a good choice of doctors and excellent customer service,” Tunis remarked. If the insurance agent knows these things, it helps them look for a policy to fit their customer’s needs.

While many people these days try to find their own health insurance, it’s really a good idea to use the services of a broker or agent. Why? “Because they know their industry inside out, where the deals are, what would work for you, and what would not. They also know just about every available option in which you may be interested. It saves you the time and hassle hunting online when you aren’t quite sure what you are looking at,” said Tunis.

“One final thing you should know about, and many people don’t know this, is that you can actually try out the health care option that you want; kick the tires for free so to speak. You need to ask your agent about that, as a free trial would give you a refund if you don’t like the policy you chose, but it would need to be within a certain period of time. There are certain restrictions and various guidelines which you would also have to follow. It might be worth checking into,” suggested Tunis.