Tips For Affordable Health Insurance In Tampa Released By Trail Insurance

PR Web

Tampa, FL (PRWEB) December 22, 2011

Tips to find affordable Health Insurance in Tampa, just released by Dawn Trail, President of Trail Insurance, is for families, the self-employed and small groups, to help them avoid the pitfalls of online insurance applications, and to explain ways to lower premiums while maintaining good coverage.

“The health insurance industry can be a complex maze of information loaded with fine print making it difficult for individuals to navigate, and Obama care has added some unexpected twists. One example of this is that insurance companies are now required to insure children. Insurance companies responded to this by requiring one of the parents be insured as well. As a result of this, and many other economic and medical factors, finding affordable health insurance in Tampa can be difficult,” explains Trail.

“We are passionate about learning each client’s needs and then finding the best policy for them. As a broker, I can shop all health insurance providers in Florida, and then present two or three of the best options to the client, educating them on each, and explaining all of the fine print up front, not after someone needs to file a claim,” says Trail. “And to help more people obtain affordable health insurance in the Tampa Bay area, I am releasing these two key tips.”

Tip #1 for affordable Health Insurance in Tampa:

Think twice before filling out an online health insurance application. Unlike a group policy, individual policies for families and the self-employed go to the insurance underwriting division and can be declined. If the policy is declined, the information goes to the MIB – Medical Information Bureau (http://www.mib.com/html/consumer_protection.html) where insurance companies share information. This decline is viewed by other insurance companies each time one applies for a new policy, and can make it very difficult to get health insurance. It is best to work with a live person when applying for a health insurance policy, to ensure the application is filled out in the best possible way to avoid a decline.

Tip #2 for affordable Health Insurance in Tampa:

Question the need to take a prescription drug. Ask the doctor if there is a holistic, or other alternative, that could be tried first. With the name and social security number of the person applying for coverage, the insurance company will pull their drug record. One can be declined depending on the medication they are taking, or have their premiums greatly increased.

In one case, a woman was taking a doctor prescribed drug for weight loss that is commonly prescribed for Diabetes. She did not have Diabetes, however her health insurance application was declined because she was taking this drug. There are other options one can use to lose weight, such as proper nutrition, supplements, changing one’s diet, walking, and other exercise. Asking her doctor for other options and trying these first could have gotten her insurance, and saved her money on high premiums.

For more free tips on ways to find affordable health insurance in the Tampa Bay area contact Trail Insurance and learn how to successfully navigate the health insurance maze.

About Trail Insurance

Tips for affordable Health Insurance in Tampa are been provided by Trail & Associates Insurance. In 2005, Dawn Trail, President, founded the company in Tampa, FL with a clear mission to help people through education, finding them the best possible coverage and uniquely, when needed, helping clients with claims problems. Personalized service is her motto. Trail & Associates are licensed by the State of Florida to sell all Life and Health Insurance policies and are independent insurance agents who chose policies from over 100 different Insurance Companies. Their focus is Individual and Family Health Insurance, Small Business Group Insurance, Medicare Insurance, and Individual Life Insurance. For more information with health insurance visit http://trailinsurance.com or for questions call (813 649-8624.