10 Tips for You Before You Buy Health Care Insurance


A health policy is insurance that is meant to protect you when some health problems occur, so that you can solve them by contacting private healthcare agencies (for example, agencies affiliated with Blue Cross Blue Shield Association in USA), by choice, or by obligation. 

Health care insurance has not been very common until a few decades ago. These days, more people and organizations stipulate it, mainly because of public health shortcomings.  

The variety of health policies on the market is truly enormous, which means choosing a health plan may not be an easy chore. It is very useful to know certain details before comparing an individual, couple, or family health plan, which can make choosing one easier. For this, we have decided to list here some useful tips to do so.   

Discover with us the different types of health care insurance 

First, you need to know that there are various types of health policies, each suitable to cover certain needs:  

  • Classic health policy: it is insurance that helps you in the event of illness or injury, covering diagnostic tests, treatments, hospital admissions, and the purchase of related drugs.
  • Accident policy: in this case, the plan will cover only expenses relating to diagnostics and treatment in the event of an accident.
  • Homecare policy: insurance that pays the costs of home care you need if, for example, you have had an accident or got sick.
  • Permanent disability policy: this insurance protects you by paying compensation if you suffer a non-temporary disability. 
  • Dental policy: most traditional policies do not provide for the payment of dental care. This is why some companies provide insurance for mouth health-related expenses. The top dental insurance providers in the US are UnitedHealthcare, Cigna, and Humana.
  • Travel health insurance: a time-limited policy that covers you when you are abroad. 

Consider your work and your lifestyle

Reading the list of health policies above, you have certainly understood that choosing the right policy for you is dependent on several factors; namely, your job, habits, and lifestyle. If the more “classic” type of health policy suits more or less everyone, the other cases concern more specific needs. 

For instance, if you live alone, or if you and your partner both work, a home care policy, especially as you age, maybe the right choice for you.

On the other hand, what worries you the most is the occurrence of an accident, perhaps because you do a risky job, play sports where you can quickly get injured or hurt, or even simply spend a lot of time driving; then, the accident policy is the best choice for you

Go for a policy suitable for your age

Insurance companies always impose age limits on taking out their health policies. If you are over 55, you will need to carefully check the maximum age provided by the insurance you have chosen. 

Luckily, many insurance policies for older people have emerged during the recent years. So, it is not strange to find a health policy for retirees, or at least for people over 65, in the catalog of all the main insurance companies. 

These insurances provide, in addition to reimbursement in the event of examinations and hospitalization, also home assistance during the recovery period.  

Consider additional services 

In some cases, a policy may offer more than coverage for care costs, it can also provide you with other services.

An example of this is a legal coverage in case of damage sustained by incorrect or negligent medical treatment.

You should ask yourself which ones you may need and which ones you don’t. 

Open Next Page To See More…