It’s a simple fact that even some very good Florida health insurance companies lack a few of the following 5 things. Be a discriminating health insurance buyer and make sure that the health insurance company that you choose receives a good grade in all 5 of these areas:
1. Large, Stable Networks – If you have never heard of them before then it could be that your doctor never has either.
2. Excellent Customer Service – This should go without saying.
3. Comprehensive Policies – Look for companies offering a FL health plan with no annual caps or limits. Make sure that you stay away from FL medical insurance companies offering indemnity policies or health discount plans unless all other alternatives are exhausted.
4. Competitive Pricing – There is very strong competition amongst the larger health insurance carriers in FL that many other companies could have trouble competing with unless they give up ground on 1 or more of these other 4 things.
5. Claims-Paying Ability – A companies financial strength ratings are very important if you should ever have a large medical bill. Stick with large trusted companies.
When it comes to being fully prepared why does it make sense to depend on one of the “Big 5” health insurance companies like Golden Rule/United Healthcare, Aetna, Assurant, BCBS of FL, or Humana? Aren’t there some other good companies out there? The answer is, “Yes, there are many good health insurance companies out there with great people working for them.”
However, in all practicality almost all people will find the best policy from one of the “Big 5” health insurance companies.
The “Big 5” are all very strong in each of these 5 areas. Again, there are many other good companies out there (and we have access to every FL health insurance company) but a health insurance company must be strong in each of these 5 areas to truly be a great FL health insurance company.
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