Anyone within Miami, Florida enjoy preferred medical insurance?

I am looking for affordable heath care for myself and children and be offered health insurance named preferred medical insurance. Is it any flawless? Is their any other affordable insurances out there in south Miami Florida?
Answers:
They are rate C++ (marginal) by A M Best. This is one of the lowest ratings I've seen for an insurance company. This means they may hold problems paying on any claims so my opinion would be to look elsewhere.

You'll want to visit a local independent agent. This personality knows the market within your area and can find a plan to fit your situation and they don't charge anything for the service.

Be very secretive of medical discount plans. These plans are not regulated by the state and the people who sell them do not involve to be licensed. This means you have little recourse when you enjoy problems with the plan. If you are tempted by these plans achieve a list of doctors first (if they won't give one consider it a scam). Call the doctors to take home sure they're still taking the plan and they're accepting new patients. Here is an informative link something like one plan. http://www.insurancejournal.com/news/wes… Source(s): Independent Agent
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