The Health policy is one of the coverage that Americans contract with the greatest care and regularity. For this reason, it is very important to take the time to properly analyze the different offers that the market offers. Check in this guide how to compare this type of insurance to make the best choice.
Didn’t you get the coverage you expected? Your health insurance does not guarantee dental benefits? Does the medical chart not accommodate your needs? …
Many people are surprised when using their health insurance when they realize that the coverage or compensation does not correspond to their calculations.
However, and despite the claims and long waits, most of the time the problem lies in the ignorance of the contract and the poor choice of the policy.
Given this, the most important thing before hiring health insurance is to compare the different policies offered by the market and evaluate the one that best suits your own needs.
Here we give you five tips to compare in the best way.
Write down your needs and those of your family
Before launching into the comparison of the different policies offered by the market, it is important that you take into account the medical needs that your family group presents.
All people are different and, therefore, not all require the same attention. Some must go to the doctor frequently because they have a particular symptom, others are content with making the mandatory visits.
Some of the points that you can take into account when analyzing the particular needs of your family are:
Choice of medical staff
If you always visit the same doctor and you like to personally choose the professionals who will give you care, then you should choose an insurer that includes them in their medical chart.
Take a good look at the lists of the doctors and clinics that work with your insurer, otherwise, you will have to change companies or pay the cost of the consultation in a private way.
Frequency of medical visits
If you are one of those who visit the doctor periodically, we advise you to opt for medical insurance without copayments. This modality allows you to access all health services in exchange for the payment of a monthly premium.
On the contrary, if you are one of those who never go to a visit of this type, you may want to opt for a policy with a copayment.
In this case, the monthly premium is much cheaper and you only have to pay a small supplement when you need to go to the doctor.
Look only for trusted insurers
When hiring your best health insurance, you should not look only at the value of the premium and the coverage they offer you. The choice of the insurance company is also very important.
Remember that there are insurers that do not market certain types of insurance and others that are specialists in a specific market.
To be sure that you are selecting the best companies, we advise you to:
- Make sure it is a serious company with a long history in the market.
- That works with a wide range of clinics, doctors, and specialists.
- That it gives you different options to customize your policy.
- To present to you the conditions and the fine print of the contract from the beginning of the negotiations.
Check the coverage that each insurance includes
Even if you think that you already have all the necessary elements to choose the best health insurance, the truth is that there are still some steps that you should take into account.
One of the most important aspects of a policy of this type is the type of coverage that you will obtain after being hired.
Do not forget that in addition to the traditional guarantees, there are coverages that can be adapted very well to your specific needs, and that, therefore, would be important to hire.
We are talking, for example, about women’s health insurance or those that offer a greater guarantee in terms of optical devices.
Analyze well the coverage provided by each of the insurance that you have on your list and do not forget to review those additional or special guarantees.
Ask about grace periods and other special conditions
It is important that you inform yourself about all the conditions of the contract because many times the policies include certain points that can make you change your mind.
Some of the issues that you should take into consideration are:
This means that you will not be able to use certain medical benefits until the term stipulated in the policy has expired.
Generally, grace periods are included in benefits such as pregnancy, childbirth, and postpartum and comprise a period of time between 6 and 12 months.
Compare prices and decide on the best
You have reached the last stage, where the most important thing will be to compare the different policies that you have selected according to their coverage and the price of each of their premiums.