Every responsible human being wants to take the best possible care of their loved ones and themselves. This need for security and proper care leads us often to make hasty decisions. We want to believe that other people will show us just as much concern about our issues as we do. Let’s keep it realistic, though.
If we won’t roll up our sleeves and do thorough research ourselves, no one will do this for us. And for sure not as carefully and honestly as we would wish. Research is the most important keyword in this subject that we should base our every action on.
Choosing the right insurance company can be extremely tricky. We shouldn’t neglect how important is this particular choice for us. Insurance company plays an unbelievably crucial role in your precious daily life. None of us knows the day or hour when some dangerous event may happen. Of course, we’d never wish anyone bad things, but we have to have our feet on the ground and be prepared for every possible situation.
Keeping that in mind, we made a guide together with healthinsurance.org to choosing the best insurance company — what should draw your attention, in which area you should be especially cautious and how not to get crazy with all the various health insurance plans!
- Money, Money, Money
Money rules the world. And the healthcare system. Don’t let anyone fool you that things are different. Big companies don’t care about your health, but about their finances. It’s your money that’s in their interests, not your well-being. Be prepared to dig deeply in search of actual, specific information.
Health insurance companies will tell you all the good deeds they would do to keep you happy with their services. Remember — their statements are just a tiny little peek of the iceberg of their additional conditions and hidden costs.
- Discovering The Financial Iceberg
Keep researching! We know it may take huge amounts of your time and patience but believe us — your welfare is in your hands, and it’s worth any minute of browsing all the terms and regulations.
If you have the opportunity, you can contact a befriended legal adviser. They will help you infiltrate the unknown and complicated terminology of the detailed rules of a given company.
- Compare All Your Health Insurance Options
Yes, the data tables with a given company’s insurance plan offer look scarily confusing. We’ve all been there trying to decode what every row and column means to your health and the sense of safety and comfort.
Remember — take your time! Analyze and compare various plans carefully. Think through what you expect, what your needs are, what kind of specialists and services are crucial in your health life. Are there doctors you have to see systematically? Are there medications you have to keep taking permanently?
Ask yourself the weirdest and most specific questions you can come up with. Every smallest piece of information will help you make a decision that’s the most appropriate for your health and financial state.
- Help! It’s An Emergency!
You would think that your pain and sudden sickness are enough to be called an emergency situation. Ha, right! Common and seemingly obvious words are usually interpreted slightly differently in the legal language.
The definitions of particular words in companies’ regulations are defined… surprise, surprise… in favor of the company! Make sure that you understand the word “emergency” the same way as the company. You don’t want to get rejected at a hospital having your nose broken because you thought that it’d be an obvious emergency case according to your health insurance company, as well.
- Don’t Be Afraid to Negotiate!
Here’s the situation: you’ve made a couple of draft decisions and are about to make the final one. The healthcare plans of the two insurance companies you have to choose between are just as good for you. What to do when you’re facing such a crossroads?
The answer is simple: Negotiate!
Healthcare insurance is just another consumer service and as a customer, you have the right to negotiate the price and discounts. What can be your negotiation points, then?
Making a payment in advance and/or in cash
Taking part in testing new healthcare-related technologies
It sure takes a lot of time to choose just what’s right for you and your family. Unfortunately, we live in a world where there’s still little equality and transparency. Money is usually the decisive factor even when it comes you your health-related issues. The best we can do is to stay responsible and focused on our needs and financial abilities.
Many of us are afraid of getting medical health because of financial aspects. We tend to forget that health is priceless. We can’t take it for granted and keep living on the edge. We have one life only and our good health lets us enjoy and appreciate every single day of it!