AMN Insurance Group
Fort Lauderdale, FL 33301
Saving Money On Health Insurance
Buying insurance isn't like shopping for groceries. Health plans don't come with one-size-fits-all price tags. Your monthly insurance bill Ã½ called a premium Ã½ will depend on a variety of factors, including your health.
The good news is that there things you can start doing now that will lower your health insurance costs in the long term.
Lower Your Premiums With Smart Health Choices Insurance companies look at a variety of factors when they decide what to charge you for a policy. This includes you medical history, your lifestyle, and sometimes even where you live. But the biggest factor - and the one that you usually have the most control over - is your personal health.
Here are a few things you can do to live healthier - and save money on your monthly insurance bill.
Eat right. Yes, everyone loves a good cheeseburger with fries. But eating a balanced diet lowers your risk of heart disease, high cholesterol, and even some kinds of cancers. Cut out as much junk food as you can. Eat fruits and vegetables often. And enjoy red meat in moderation.
Exercise. It doesn't matter if you run, walk, lift weights, or do yoga. Being physically active will improve your well-being and overall health. Many health insurance plans include discounts on health club memberships - so it's even easier to stay active.
Quit Smoking. Chances are, you fit into one of three categories: you never started, you've already quit, or you're sick of hearing about it. If you're still smoking, give it up. It isn't easy, but it can be done. If you can be tobacco-free for 12 months, most insurance policies will cut you a break on premiums.
Compare Plans With A Pro It also pays to work with a professional agent to find the right health plan. There are many plans on the market, and not every one will be a good fit for you. Some plans cost more and offer less coverage than others. Choosing the right one can be challenging. But with our expert help, you can make sense of your options and make the right choice.
To start exploring your options, get free quotes and compare plans online. Just fill out our short form, and you'll get a side-by-side comparison of several leading health plans.
The Different Types Of Health Insurance Plans
When you're shopping for your own health coverage, you don't have to settle for whatever your employer thinks is best. You get the advantage of choosing the right plan for you.
And you have plenty of options.
Types Of Health Policies There are several kinds of policies for you to choose from. Here are a few of the most popular.
Preferred Provider Organization (PPO) Plans are a popular choice for people who value flexibility. A form of managed care, PPOs give you the most savings when you get care from a doctor, hospital or other provider within the plan's "network". But even if you do choose to receive care from outside the network, your PPO still provides some coverage.
Health Maintenance Organization (HMO) Plans are also a type of managed care, and offer you even greater savings. The tradeoff is your choices are more restricted. To get coverage from your HMO policy, you must choose a "Primary Care Physician", and you must always get care from approved "in-network" providers. For most people, this is a small drawback compared to the affordability of HMOs - which often feature no deductible.
Point Of Service (POS) Plans combine managed care with traditional health coverage. Just like an HMO, you select a Primary Care Physician to see for routine care. But when you need to see a specialist - or get a second opinion - you're free to see any doctor you choose.
Fee For Service (FFS) Plans aren't as popular as they once were. These plans are modeled after traditional "indemnity" insurance. In an FFS plan you pay for your care up front, and are reimbursed by your insurance company after you file a claim.
Not sure which choice is best for you? Let us help. We'll answer your questions and point you toward the right plan for you. Start comparing plans now with our free online quotes.
Why Should I Work With An Agent?
The internet has made shopping for insurance easier. Instead of driving around town to meet with an agent, you can compare rates, benefits, and apply online. Some insurance companies even let you apply right from their website.
Does it still make sense to have an agent help you choose a plan? You bet.
Agents are insurance experts. It's their job to help you shop plans from leading carriers so you can be confident you've found the best rates and benefits for you.
4 Reasons To Work With An Insurance Agent When you consider all the benefits, working with an agent just makes good sense.
Agents guide you through the process. Buying an insurance policy can be complicated. An agent walks you through each step of the process and helps you make sense of all the "insurance-speak".
Agents offer you choice. Your agent has a portfolio of plans to choose from, often from multiple companies. Your agent will know which policy will protect you the best. They'll even know which company is most likely to accept your application.
Agents troubleshoot mistakes. A mistake on your application can cause a company to raise your rates or even reject your application. Your agent will help you fill out your application correctly so you get the rates you deserve.
It's free. This is the best part about getting insurance through an agent. Agents collect payment from the companies they represent. So you get all the advice you want - absolutely free.
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