How to get the best possible insurance rates
“I want the health insurance price that I saw on the website: the one that says preferred rating. It’s the best price so that’s what I want.”
And therein lies the conundrum of someone who wants health insurance but has no idea what they’re asking about. It’s a little like trying to buy auto insurance; until the company takes a good look at your driving record, they have no idea what they’re going to charge you. Until I know all your health issues, I can’t give you a rating. You have to tell me if you have diabetes, asthma, allergies – and you get the idea. If you don’t fess up now, you’ll get tripped up later and your insurance may be revoked for white lies.
When you’re buying health insurance, you’re signing a contract. If you lied on any other contract, you’d be in the dog house right? It’s illegal to give false information on a contract, so why would you fudge your health information? It doesn’t take long to find out if you have “been creative” on your application – after all, there comes a time when you submit your claims and if you submit for drugs for asthma when you said you didn’t have asthma; the cats out of the bag.
Pricing on a website is just that – a quote based on certain optimal factors. If you are not optimal – meaning in totally perfect health – then your quote will vary. It “has” to vary because if you have a condition that needs medical treatment and you need insurance, the insurance company is not a charity, and they are insuring you “as is” not as you would like to be.
Before you shop for health insurance, know that you will need to fess up about any pre-existing condition you have. I don’t judge you based on your health; I just need the facts to price a health insurance policy fairly. And really, isn’t that what you want? Fair health insurance prices for what you honestly “need?” No sense in being caught with your pants on the ground later if you fibbed about your health.
Give me a call, I have lots of options for you and would be happy to help you find what you need.
To Your Health,
Florida Healthcare Insurance