Having the support of medical insurance in these times is essential. Don’t leave your health and that of your family to chance; With the pandemic, many people have become aware of the importance of insurance. If you have not done so yet, from Opportunity Insurance we want to help you, by giving you some basic tips to choose your policy and coverage; inform yourself well, ask one of our insurance advisors. Don’t expect to have a medical emergency.
Know the insurance
All insurance has general terms that many times people who have just entered the world of insurance do not know; So today we will explain some of them and what they consist of.
The deductible
It is an amount that you must pay before your insurance begins to cover the expenses. You must determine how often you will need medical service to choose a deductible. If you need surgery or use medical services a lot, your deductible better be low.
The premium
It is the amount you will pay each month regardless of whether you use the medical service or not. The amount you are going to pay in your premium will largely depend on your deductible; if the deductible is low, the premium will be higher and vice versa.
The network
These are the medical and health centers, as well as the hospitals, laboratories and doctors with which the insurer has negotiated to offer you cheaper services. It is important that you check if your doctor is within this network or not; Well, in some cases, when you use out-of-network doctors or centers, you have to pay something extra.
How to choose an insurance and coverage plan?
Most insurances work with the same categories; among them are bronze, silver, gold and platinum. These are basically the plans; all include the same benefits, quantity and quality of service, the difference is in the way you choose to pay.
When choosing your plan, remember to compare the costs of the premium and the deductible , because when you need to go to the doctor for an emergency, money will have to come out of your pocket; the amount will depend on the deductible you choose.
There are several plans and among the most common we have HMO, PPO, POS and EPO. Make sure you know which doctors and centers or network is included in the plan you choose. Some have no limits; while others often charge an additional fee for using out-of-network services.
The plans also include the payment of prescription drugs; make sure you know which ones are within your plan or choose a plan that includes the medications that you and your family need.
Extra benefits
When buying your insurance plan be sure to look for extra benefits, which are often free. This is because they will be useful tools in the future; among them we have:
- Insurer’s website or mobile applications.
- Have 24/7 customer service.
- Telephone line for more information in case you need help. < / li>
- Plans, discounts and offers with which you can save on medical services.
At Opportunity Insurance we have at your disposal a team of professionals who can help you and guide you regarding your insurance plan. You can call our line 786-334-6612 and we will gladly assist you.
Take some time to analyze your insurance plan and see if it is the most beneficial for you and your family; and if you don’t have it, this is the time to make the decision . Remember to take the time to choose a trusted doctor who can treat you when you need it.
You can also take advantage of the free preventive checkups offered by insurance plans to keep you healthy. C knowing and understanding how your insurance plan works before needing it is important; That way, when the time comes you will save yourself time and headaches.