Understanding the pros and cons of the various health insurance programs available for purchase can be difficult, especially when you are a health care provider looking for high quality coverage that will compensate you when you need it. If you feel anxious, know that you are not alone! Research has shown that only 24% of uninsured adults feel confident and relaxed when navigating health insurance terms and concepts – and the numbers are not much better for policyholders …!
So things can be complicated, but there is no reason to avoid understanding them. Getting started with the basics is the first step to feeling confident and understanding about your healthcare. It is also very important to know that you will receive the coverage you want!
Here are five common health insurance questions to help you find an affordable, quality program that works well for you and your family.
Does the group health program offered by my company cover me completely? Is it really the best and only choice?
The short answer is: not always. The group program that your employer supports for you (by the way, he cares!) And that you can therefore – at your own expense – usually include your family members, can be restrictive, expensive or even two. It also definitely has limited funds that are not enough for serious or multiple cases of hospitalization per year. It may be cheaper for you as a solution or better in coverage to research the health insurance market and check out different individual health plans. The combination of group and individual program is a possible solution whether you are solo or have a family. You could even choose to keep yourself in your corporate plan with an extension to an individual contract, while your spouse and / or children find cheaper health insurance coverage in individual contracts through the market. The most important thing to remember is that you have choices – and your company health plan is not everything.
I am a freelancer. What is in my interest to do?
As time goes on we see more freelancers and self-employed people forging their own careers (which we find amazing!). The good news is that running your own business does not mean it will cost you a fortune to insure your health. Wedo.insure offers a variety of personal wallet-friendly health plans for anyone working for themselves, including family members who also need insurance. If you fall into this category, be aware of the options available as well as the tax breaks provided and choose the right health insurance plan for you and your loved ones.
How can I find a plan that supports my health, both physical and mental?
We are not used to having many health programs in the insurance market that include hospital coverage for mental health treatment and cover visits to psychiatrists, psychologists and psychotherapists. Fortunately, the new generation of contracts is slowly coming to fill this gap that existed, as many times our serious health problems need specialized care in addition to the hospital.
We now see health insurance programs support coverage such as physiotherapy, chiropractic and osteopathy in case the patient’s physical function needs to be improved, as well as sessions with therapists, alternative therapists and specialist nurses.
The new trend of insurance companies is to provide, among other things, a Life Management Help program through even Apps that they have created. They are particularly interested in the well-being of their clients and some offer short-term counseling support, direct telephone support and access to an online Cognitive Behavioral Therapy (CBT) program.
What about preventative care?
At wedo.insure we believe that it is always easier to prevent a health problem than to deal with one that is already enabled. As the old saying goes, “a gram of prevention is worth a pound of treatment.” Modern health plans include in their basic coverage and comprehensive medical check ups. An annual preventive check up mainly includes general blood tests, biochemical tests and general urine tests. The general blood test checks the hematocrit and hemoglobin (anemia), white blood cells (infections) and platelets (blood clotting).Biochemical tests identify sugar (diabetes), urea and creatinine (kidneys), uric acid, cholesterol, HDL-LDL (arteriosclerosis) triglycerides and transaminases, alkaline phosphatase, F-GT (liver). General urinalysis checks kidney function, urinary tract infection and cystitis. Some insurance companies have included a cardiogram, Pap test – Mammography, prostate ultrasound, etc.
All you have to do is – after finding which health plan is best for your needs – plan uninterruptedly to do the free check up every year!
How do I find an insurance plan that I can really afford?
Do you think you can not afford to pay for a private health insurance plan? Think again and ask us. Health insurance may be more affordable than you think. In the insurance market there are very affordable health insurance plans, an expense that will not inflate your budget. They are specially designed for people of all categories, employees, small or large business owners.
Receive an offer based on your needs and then choose a design that works best for you.
You can worry about knowing you have the coverage you need!
Ask us. We know.
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