9 Tips to Save on Choosing a Health Plan

9 Tips to Save on Choosing a Health Plan

Do you have any questions regarding the choice of a health plan? Having trouble finding one that fits your needs and is accessible to the pocket? We know that this subject is delicate and there are many questions to be clarified.

To get to know your options, the first step is to look for a broker. Your employees are trained to provide important information about each plan, help you understand the difference between the methods and choose the one that is right for you.

You do not know what to look for at this time? See now 9 tips that will help you in choosing a health plan:

1. Make a plan

Do not commit to a greater value than can actually afford. Thus, you avoid debts in your name and not financially complicated by the plan provider.

Before you even consider your options, make a realistic plan of how much you can pay every month on a health plan. You must become aware of your limitations and always count on money set aside for emergencies.

2. Compare quotes before hiring

Only with detailed information in hand you can compare the pros and cons and find the most cost-effective health plan. Most of the time, not enough to be the cheapest: it should suit your needs and cover your possible setbacks.

It is not intended to hire the first that appears in front of you. Search for different operators and types of plans to find the one that best fits their needs and their budget.

To find out if the insurance company is reliable, one tip is to look for it on the website of the National Health Agency . There, you will have access to opinions on the company’s performance and even the number of complaints from beneficiaries.

3. Review and the possibility of coparticipativo plan

If you use little health services, you can pay a much lower monthly fee if you get an coparticipativo plan. In this type of contract, the beneficiary pays a portion of each procedure to be held. On the other hand, the monthly investment is lower.

However, if you have small children or any health problem that requires a medical monitoring or constant tests, it may be that the plan without participation be cheaper. Despite the monthly fee to be a little higher, necessary procedures will be covered by the plan without additional fees.

4. Choose the type of plan

If your company or union provide any health plan, make sure that this will be the cheapest option for you and your family. After all, individual plans and family tend to be much more expensive than business.

The number of people who adhere to the company’s plan ensures a discount given by the operator and lowers the monthly payment of all involved. Always include the price of the business plan and individual that contains the same characteristics in order to compare them. Remember that sometimes the cheapest is not the best.

5. Choose whether or not it plans to accommodation

The accommodation is on the admission and the conditions in which wants to be admitted to the hospital. If you do not have to stay in hospital often choose the ward can be a great way to save on your plan.

Generally, the ward accommodates two patients per room but does not give right to a companion, just visits. The private room is more salty, so you should think well if it really would be necessary.

6. Investigate the optimal coverage

If you travel a lot, a regional coverage may not be the best choice. When you’re away from your plan and need care, will eventually pay for consultations and particular form of examination, and this can result in unnecessary expenses.

Analyze the frequency and destination of their trips, see how the most expensive would be the national or international coverage, dependent on their habits. Sometimes pay a little more in the monthly fee gives you greater peace and security. Especially if visiting abroad often outside the NHS does not exist and the procedures are much more expensive.

7. Beware of superfluous toppings

It is impossible to know for sure what awaits us in the future, but some things can endear your plan without. The insurer provides coverage: outpatient, hospital with or without obstetrics, dental and reference. This defines the services that you can enjoy.

Analyze carefully so be prepared and protected by your insurance, but keep track of the superfluous things that are in your contract and may be removed. For example, if you are a single man, no need obstetrics, you agree?

Contract negotiation is very important, so you should read it carefully and think very carefully on things that are inserted and the missing.

8. Ask all you want

Ask anything you need ask, get all your questions – after all, the health plan is something very serious. Inquire about the release tests and passwords, shipping slips, refunds, accredited networks and service locations. This prevents future hassles.

Clarify your questions about the grace period . Generally, after signing the contract, you must wait 24 hours to use in an emergency, but in cases of consultations and surgery, for example, can spend three months for your new insurance covers services

Simulate the plan chosen use with your broker before signing the contract, may be an option to solve their questions. The search for information with people who are associated with the plan can also help.

9. Tell the truth

Before signing the contract, the insurance company will ask you if you make any treatment or have knowledge of any disease. You must tell the truth. If there is any pre-existing condition, the grace period may change or you may lose your health plan if you have not warned of the condition earlier.

Choosing a health plan is delicate and dependent on many factors. inform and have planning is the best way to make your decision is right for your family!

If you are looking for a special plan for the elderly, be sure to check  out how to choose the ideal health plan for the elderly !


Spread the love

No comments.

Leave a Reply