Nothing is more important than health and, as the saying goes, “prevention is better than cure”. Choosing quality health insurance can be a complicated process if we don’t know how to do it. For this reason, here I will present the most useful tips so that you can choose a health insurance considering the most important Medical Billing Specialist.
Security.
The first advice may seem too obvious, but it should be noted that the company we go to must generate trust. Many companies offer insurance but, paradoxically, some convey certain uncertainty. Check that your insurer is specialized and has proven experience in this sector, do not put your health in the hands of just anyone.
Analyze the different types of family health policy
A good insurance company will put at your disposal various types of family health policy: health insurance for medical assistance, health insurance with reimbursement of expenses, mixed reimbursement policy and medical chart, daily compensation for hospitalization … Weigh all the possibilities very well and requires various alternatives to choose between the most appropriate to your personal situation.
Desired benefits: speed and savings.
Normally with health insurance we look for advantages added to professional quality. Check its agility when it comes to solving procedures (authorizations) and the economic savings it brings you in premiums.
Additional health policy coverages.
It is also important to know if you will have other related complementary services at your disposal, such as free dental coverage, comprehensive preventive medicine or included psychology sessions. Adapt your insurance to your personal needs.
Home Sweet Home?
It is true that nowhere is one like home, but every day we travel more. If you need it, consider a health insurance that covers stays abroad and the access system it offers you.
Some insurance companies include medical expenses abroad in their health care health policy, but such coverage is limited. Depending on the frequency of your trips, we suggest you the possibility of contracting a health policy for the reimbursement of medical expenses with free choice worldwide. Another alternative is annual travel insurance.
The duration of the policy
Some insurance companies have a stipulated age limit for their insured, extinguishing the policy when they reach 65 years of age.
It is important that you take out a lifetime health policy if you want to attend private health when you need it most.
Waiting periods:
Most health policies have shortcomings when contracting them. Some coverage may require a period of time, counted from the date of registration, to be fully effective. There are usually waiting periods for Pregnancy and Delivery or Hospitalization, do not forget to ask them.
They are generally eliminated in the case of policies that come from the competition.
Current health status.
Lifestyle habits and the breadth of medical history are influencing factors that will determine the hiring of your policy. Therefore, the affidavit of health must be made correctly. It is of greater importance if we are evaluating a policy change since we could be giving up rights acquired by a diagnosis already made.
The centers and professionals.
Something highly recommended is to check which Doctors and Hospital Centers are in concert to ensure your health, and if you have access to the most prestigious ones.
Having Hospitals ranked among the most prestigious is not only an elitist issue, it is a matter of life and death.
Some Insurers in recent years have based their strategy on terminating their contracts with Hospital Groups in the Country, reinforcing and channeling health access to their own medical staff and to the hospitals they own.
Ask the Salesperson and assess if you want the best private healthcare, or just access to differential healthcare.
Transparency and good practices.
If at the beginning we highlighted the importance of the solvency of your insurer, finally we will highlight how important it is to be able to make insurance in a crystal-clear way.