Whether or not a health plan is a trivial one, failure to hire it implies the risk of having to deal with queues and poor service in the public service, or else to shell out the money needed to afford the high costs of private hospitals, labs, and doctors’ offices. Getting healthcare insurance means increasing expenses because the amounts charged to older people are much higher.
See below which points should be observed with caution so that the healthcare insurance TeleHealth does not compromise your monthly income or leave you in the hand when it is time to make use of the services:
1 – Prefer collective plans
Many companies offer their employees corporate healthcare insurance TeleHealth, which can be a good alternative to saving rather than risking paying more expensive when hiring individual insurance. According to most employers, collective plans, whether business or not, are cheaper than individual ones.
It (collective plan) is always cheaper than the individual. If it is a business collective, it is likely that the cost will be even lower. This is because individual insurance has a more specialized configuration, whereas in the case of corporate health insurance, who determines which model of the product is the company.
It also considers that even if we compare two equal products, one of an individual character and a collective one, it is very likely that the collective will still be more economical for the consumer. For those who work in companies that do not offer this benefit to employees, a possible solution is to seek class entities such as unions and verify the existence of collective plans.
2 – Check network quality
What is the distribution of the network? How big is the network covered by insurance? These are two questions that must be asked by the insured before hiring the plan.
In this way, unpleasant surprises are avoided when needing medical-hospital services and have the application denied at the hospital door because the insurance does not cover care at that location.