Tips To Help You Choose Your Health Insurance Policy
Switching from health insurance can be beneficial, but what should you pay attention to when choosing your health insurance? We give you 7 tips.
- Save on your dental insurance
- Save through a higher deductible
- Need little care? Take a look at limited contracting
- Think carefully about what you really need
- Pay your premium per year
- Get a discount on your health insurance
- Always compare the quote from your current health insurance policy
- Bonus Tip: Both choose a different health insurance policy
Save on your dental insurance
Do you have dental insurance? That does not mean that you are always cheaper. For example, if you only go to the dentist for the check-ups and you actually never have cavities, it may be advantageous not to take out dental insurance. You can easily calculate whether dental insurance is wise for you. Compare your health insurance policy for 2020.
Save through a higher deductible
In 2019 the deductible amount is approx. $300. This means that you have to pay the first $300 in healthcare costs yourself. This amount can be increased with a voluntary deductible of up to $500.
Need little care? Take a look at limited contracting
Many health insurance companies nowadays offer a basic insurance policy with limited contracting (budget policy). Budget policies work the same as a policy in kind, but a contract has been concluded with fewer healthcare providers. At hospitals and healthcare providers without a contract you pay part of the costs yourself. For emergency care you can always go to the hospital of your choice! If your hospital has a contract with the health insurance company, then a budget policy is worth considering.
Think carefully about what you really need
The basic insurance is mandatory and the same everywhere. You can choose the additional healthcare insurance yourself and there is a considerable difference per healthcare insurer. Consider carefully which care you really need. For example, have you often used physiotherapy? Or do you have a child wish for next year? Compare health insurance policies.
Almost everyone in the America pays the monthly premium for health insurance. But you can also pay per year! Those who pay per year often receive a discount from their health insurer.
Get a discount on your health insurance
In many situations it is possible to get a discount on your health insurance. You can take out insurance through a collective. This is often offered by employers, trade unions or municipalities. You also often receive a discount on your health insurance policy if you are a student or self-employed.
Always compare the quote from your current health insurance policy
Always compare the quote from your current health insurance policy with other providers. It is possible that there is another insurer that offers practically the same package at a better rate. Include tip 5 in the comparison and you can often save on your health insurance. Comparing senior health insurance 2020 costs nothing and you can easily switch online or by telephone.
Bonus Tip: Both choose a different health insurance policy
Couples or families often have a policy for the entire family. But not everyone in the family has the same care needs. For example, it may be that mother may need a lot of physiotherapy and an extensive (and expensive package) has been arranged for all family members. But if father then hardly uses care, it is actually a shame. A good tip is to see if you and your partner cannot both take out a different policy. Since the children are always co-insured for free, it is wise to take this with you on the most comprehensive policy.