5 Things to Do Before Choosing a Health Plan
We know that buying and choosing a healthcare plan is an important decision to make. So we came up with this quick guide to help you through the process and make sure you find the right health plan for you and your family.
1. Be honest about assessing your current health status
You know that thing you do when you try to downplay the state of your health? Or maybe you go the other way and panic over every little thing? Now is not that time to do either of those.
Consider your family’s medical history, as well as yours, and be honest about what types of illnesses you may be predisposed to. Ask yourself these questions (and answer honestly!):
- What diseases do my parents and grandparents have?
- What type of illness do I always get?
- Do I smoke? How often?
- Do I drink alcoholic beverages? How often?
- Do I exercise? How often?
- How high is my stress level both at work and at home?
2. List down what you want from a healthcare insurance plan
Now that you have acknowledged your present condition and potential circumstances, make decisions on how you want to be covered. Are you looking for a health care plan that covers specific test or procedures? Do you want to include hospitalization? Are you a traveler and want to find one with global coverage?
You could also go further and rank them according to priority. Go from absolute must-haves to can-do-without-for-now. This list will make it easier for you to avoid being overwhelmed once you start comparing the available health care plans.
3. Figure out your budget
Yes, it seems logical to be covered for everything but you also have to take into account your financial realities. Having a healthcare plan you cannot sustain is no better than having none. Don’t make the mistake of getting a healthcare plan you can barely afford because you might end up simply stopping payments along the way.
Figure out how much you money you can spend on healthcare insurance, as well as your source. If you’re taking it out of our monthly salary, set it aside once your salary arrives. If you’re planning on using funds from regular bonuses, make sure that your bonus releases are aligned to the payments schedule so you won’t miss payment deadlines.
4. Study and compare
Don’t just buy the first plan that you see. While it’s quite tempting to just purchase the first acceptable one you see to avoid going through tons of information, trust us when we say that you’re better off knowing if there are other plans out there that may better fit your needs.
First, check if the plans cover your priorities. No point getting a plan if it doesn’t, right? Further, study the extent of the coverage. Does the plan cover any specific illnesses of concern to you? Will it provide emergency services? Does it have any restrictions on pre-existing conditions? Find out if the available plans cover everything in your checklist, and choose the ones that prioritize the same things you do.
5. Ask questions
Choosing a healthcare plan that fits your needs is a huge task. And while it is a personal task, it helps to have a benchmark on the kind of service you will get from your plans. Talk to relatives and friends who have healthcare insurance and ask them about their experience in using it. Talk to representatives of HMOs about the details of the plan that they are offering.
If there is anything that is unclear to you, it is best to ask before you actually purchase a healthcare plan. It is also recommended that you ask professionals - people like us who know how health care plans work and who will be able to make recommendations based on your needs - to help you make your decision.
So, be honest, read the fine print, and don’t hesitate to ask questions. In the end, the best healthcare plan for you is one that would not only give you value for your money but one that would leave you worry-free about your health.
We at Maria Health want to help you make the right choice. From affordable comprehensive health care plans for as low as 3 people to prepaid health cards that cover specific procedures and treatment for as low as P499, we have partnered with the top HMOs in the country to provide you with the best options.
Visit us at www.mariahealth.ph today and get simple, easy access to the healthcare plan that fits you.