Quality service and a good accredited network are essential. However, they are not the only attributes that most health care consumers want to get. Having access to economic plans is also at stake for those who do not want to compromise the pocket. So let us show you some ways to know how to have health insurance cheaper.
If you want to know how to have health insurance cheaper, stay tuned in the balance between “quality plan” X “cheap plan”. It is necessary to take into account all the pros and cons and to be attentive to some essential requirements.
How To Have Cheaper Health Insurance
Check out some tips that should be put into practice when quoting a health plan. Here’s how to have health insurance that is cheaper and that also fulfills the primary function – take care of you.
Evaluate the various options for marketplans
Yes, you may have more work, but it is essential to quote the various health plans offered by different operators. Only then will you know each one of them.
Do not even think about hiring the first option! This is essential so do not go wrong in planning how to have health insurance cheapest. Only with the information collected will it be possible to make comparisons. So you will find the best price for your pocket.
Be very aware of the coverage that is best for you.
There are plans with various types of coverage. Identifying the one that will best suit you is a vital part of the process to know how to have health insurance cheaper.
For example, if you travel a lot, it is important to take this information into account. In this case, the chosen plan must have scope necessary to be used in all locations – or at least in locations close to them.
Imagine if your health plan only meets in a certain group of municipalities? If you are out of this area and need a doctor you will have to pay for a private consultation. Therefore, it may be worth investing more and having the security of care wherever you are.
Remember to quote the plans with and without coparticipation
Consumers should take into account their profile of use of medical services to assess what may be most appropriate.
The plan with co-participation, for example, is indicated for those who rarely use services. This is because the beneficiary pays a value for each procedure performed.
In many cases, coparticipation plans may be the right choice for anyone who wants to save on the plan, without losing quality.
On the other hand, the consumer who goes to the doctor often tends to choose the plan without coparticipation, even with a slightly higher monthly payment.
There is no way, the most appropriate way of checking which of them compensates is taking into account the number of trips to the doctor to then do the math.
It is worth taking into account accommodation for hospitalization cases
A health plan beneficiary who does not use the hospitalization much should consider a plan whose accommodation is in the ward. This is an alternative that is shared and therefore has lower cost.
In general, many plans have wards to care for only two patients. But it is good to evaluate that privacy is compromised in relation to an apartment.
Another point about the issue of hospitalization is that we never really know whether we will use it frequently or not. That is, you can not predict. But you can tell if sharing accommodation for you is a problem or not. This can help you make a decision and thereby cheapen your plan.
Business or collective plan?
This is a big issue for the pocket and for those who want to know how to have health insurance cheaper. Hiring an individual plan or family plan comes out much more expensive.
Whenever your company or union makes a health plan available, evaluate it. The costs are usually much lower.
This is due to the number of people who adhere to the plan, allowing operators to work at a more affordable value.
According to experts, collective plans are attracting the attention of consumers. This type of plan is already the most contracted in the market: of the 47.3 million plans in Brazil, 38 million are collective.
The main advantage is even the most affordable cost. But they warn that there is no limit to the price increase, even taking a check made by the National Supplemental Health Agency (ANS).
Already the collective business plans attract, therefore, depending on the size of the company, the margin of negotiation is much greater. This makes it possible to use good discounts or even minor adjustments.
But it is valid to know that who defines value is the administrator and the health care provider.
As with membership plans, the advantages and disadvantages are the same: prices are lower at first, but there are no limits to readjustments.
How are readjustments made in the plans?
If you want to know how to have health insurance cheapest, this is a key point and it has financial impact over time.
Individual or family plans, for example, have two types of readjustment :
- Annual adjustment, which is regulated by ANS;
- Readjustment by age group.
Collective health plans have three types of readjustments:
- Annual readjustment;
- Readjustment by age group;
- Adjustment of claims, which takes into account the frequency of use of the services provided.
Therefore, it is important to be informed about the indexes used in recent years to evaluate them in an up-to-date fashion.