3 Things to Consider Before Choosing a Healthcare Plan 

»Posted by on Jun 3, 2018 in Healthcare Plan | 0 comments

We all know that taking care of your health is important. One of the best ways to do this is to have a healthcare plan for your health maintenance. However, choosing a plan is complicated since there are many health insurance companies that offer such services. You have to be wise when it comes to choosing a plan. With that, we give you the following things you should know before you pick a plan.  

Healthcare Plan

Choose the Categories 

When it comes to health insurance plans, there are four categories you can choose from. These are the Bronze, Silver, Gold and Platinum category. Each category has different split costs (and nothing to do with the quality of care you’re going to get).  

In the bronze category, 60% is going to be paid by the insurance company and the 40% is paid by you. You don’t pay that much per month, but you are going to pay for the routine care yourself. This is a low-cost way of protecting yourself from injuries, sickness and other worst situations.  

In the silver category, 70% is paid by the company while you pay for the remaining 30%. In this plan, you’ll save thousands of dollars especially if you use a lot of care. This is a good option if you want more of your routine care to be covered.  

In the gold category, 80% is paid the company and you pay the 20%. The medical costs you’re going to pay are low. This is the best choice if you’re willing to pay more every month so your medical treatments are covered.  

In the platinum category, the 90% of expenses is paid by the company while you only pay for the 10%. When you get care, you get to pay in lowest cost. Nearly all the medical costs are covered with this category.  

Total Costs for Health Care 

Of course, you should consider what you’re willing to pay every month. Every month, you pay your insurance company even if you don’t have services or care to use on that month. When you choose a plan, you should think of the costs. When you get a plan, you get a deductible. Deductible is the amount of money you have to pay for services before the company pays. For example, if your deductible is $1,500 you have to pay the same amount for the care and services before the insurance starts to pay.  

Plan and Network Type 

When you choose a plan, you have to be aware that there plans that will limit your charges or choices if the facility or doctor is outside their network. However, most of the plan types allow you to use almost all health care facility or visit any doctor.  

For example, the HMO or Health Maintenance Organization, to become eligible of the coverage, you have to live in its service area so you are provided with integrated care especially on wellness and prevention.  

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The Importance of Healthcare 

»Posted by on May 31, 2018 in Healthcare  | 0 comments

Though it might sound cliché, the saying “health is wealth” still stand true up to this day. Our health is very important, and our everyday life is based on it. If we’re not in good condition, we won’t be able to function normally. Although there are things you can do to maintain your health like having a good exercise and healthy diet, there are still unexpected accidents that can happen.  

Healthcare 

Health maintenance is a complex task; especially that it’s not our focus every day (ironic, right?). Fortunately, there are healthcare insurance providers that we can contact. Healthcare is important for an individual, especially that health complications are always possible to have. It is expensive, but really necessary.  

The following are the reasons why healthcare plan is important. Click Talk Business 360 TV to know more about healthcare.  

Saves Lives and Money 

If you invest on healthcare plans, you give opportunity to yourself to become a healthy individual. Once you keep your health in good shape, you would be able to focus on your career or whatever you do. Whenever there are emergency situations, even though you don’t have money, you would still be able to save yourself because of the plan you have.  

Birth Control Benefits 

We all know where unwanted pregnancy leads, more people that adds to the population. Cases of unwanted pregnancy also resulted to more children being abandoned in adoption centers. Having a healthcare plan that includes birth control is important. This will make sure that you don’t experience unwanted pregnancy.  

Preventive Health Services 

Medical conditions can be prevented, especially if you start your health maintenance at an early age. Having a healthcare plan for yourself and for your children is necessary. This will make sure that your family’s health is at top shape. Any small traces of health issues would be detected and health right away, since you get to have regular check-ups. Screening tests and shots are one of the things included in your package.  

Dental Coverage Benefits 

You can get the plan in two ways; either you want it to be separate just stand-alone dental plan or part of your health plan. Either ways, the plan is important. You and your kids deserve to have teeth that are in good health. There are teeth diseases that could be fatal for kids and even adults. So regular dental check-ups are needed and you can get it at no cost if you have a healthcare plan.  

Mental Health Benefits 

It’s not only the physical health that can affect the person. Most of the time, the mental health illness is more destructive than the physical one. When it comes to healthcare plan for your family member who’s suffering from mental sickness or substance abuse, you can get counseling or psychotherapy for him/her. The great thing about this is that the benefits you’re going to get from the plan will depend on your current mental state. This is an essential part of the healthcare plan you shouldn’t miss.  

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How to Choose Your Health Insurance

»Posted by on May 28, 2018 in Health Insurance | 0 comments

Health insurance coverage is challenging to choose, especially that you have to consider a lot of factors. Before you decide on a plan, you should consider your options. The plan should work well for you and your needs. In this article, we’ll tell you how to choose the perfect health insurance.  

Health Insurance

Consider the Coverage Limits and Options 

The first you’re going to ask yourself is how much you’re going to pay every month. Whether we like it or not; our income is going to affect our expenses. A good insurance plan with a no lifetime benefit maximum will ensure you that you won’t reach the limit of the coverage, especially if you have a disease like cancer. Choose the highest available maximum that your pocket can afford.  

Look at Your Deductibles 

Before the insurance company pays for the part of your medical costs, you are going to pay for the deductible first. This is the amount of money you’ll pay for the medical coverage. There are insurance companies that will have you pay the deductibles first, while there are also those who require a co-payment.  

The co-payment is the amount you’ll pay upfront when you go to a doctor, while the coinsurance is the amount you’ll pay after the insurance pays its part of the cost. It’s commonly 80/20 where you pay the 20% of the costs and the company takes care of the 80%.  

Maximum Costs 

Next thing to do is add up the cost you’re going to pay just in case something worse happens. Add the insurance’s cost for the plan. If you’re sickly and will probably spend a lot of money on medical costs, choose a plan that costs you the least amount of deductible per year. If you’re in good health, you can choose the plan with low premium. Your situation will affect the plan you’re going to get. You should also look for the ways where you can save once you get you plan.  

High Deductible Insurance  

There are insurance options that are high deductibles. The deductible ranges from $1,000 to $2,000 per family. If you choose this one, you should prepare enough money to cover the cost. You should also study the hybrid insurance a company offers. There are those that have high deductible before they start paying for the coverage, but then have co-payments after you paid the deductibles. Avoid this kind of plan because you’ll end up paying more.  

Make Most of the Health Insurance 

If you find a good plan, then good for you, so make the most out of it. Read the booklet where the rates are stated for different services. There might be services like x-ray scans that are fully covered, but if done on a different lab (which is out of the plan coverage), you get to pay differently for that. Review the medical bills every time you do doctor visits. Remember that you should not be paying more than you’re required.  

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