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.
Don’t forget to also take into account your health and lifestyle habits. Helpful questions to ask yourself are:
- 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’re aware of 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 hospitalisation? Are you a traveller and want to find one with global coverage?
You could also go further and rank them according to priority, from absolute must-have to can-do-without-for-now. Having a list of what kind of healthcare you need will make it easier once you start comparing the available healthcare plans.
3. Figure out your budget
While it seems logical to be covered for everything, you have to take into account your financial realities. Having a healthcare plan you cannot sustain is no better than having none. One mistake that people often make is getting a healthcare plan that they can barely afford, and then simply stopping payments along the way.
Figure out how much you can afford to 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, it’s best to align your payment schedule to bonus releases to make sure you meet payment deadlines.
4. Study and compare
Don’t just buy the first plan that you see. While it may seem tedious to study more than one healthcare plan and quite tempting to just purchase the first acceptable one you see, you’re better off knowing if there are other plans out there that may better fit your needs.
Check if the plans cover your priorities. Further, study the extent of the coverage. Does the plan cover any specific illnesses of concern to you? Will it provide emergency services? Any restrictions on pre-existing conditions? Find out if the available plans cover everything in your checklist, and choose the ones that prioritise what you also prioritise.
5. Ask questions
Choosing a healthcare plan that fits 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 who know how healthcare plans work and who will be able to make recommendations based on your needs - to help you make your decision.
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. At least that is one uncertainty of the future you don’t need to think about.
And because this is an important decision, Maria Health wants 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, Maria Health has partnered with the top HMOs in the country to provide you with the best options.
Visit Maria Health at www.mariahealth.ph today and get simple, easy access to the healthcare plan that fits you.