Chủ Nhật, 10 tháng 8, 2014

Cancer Survivorship...How to Pick a Medical Insurance Plan...Medicare...etc

1.   The first general thought is to always pick a plan that you can afford ...not only the premium...Can you afford the plan should you become very ill and not able to work.  Is the coverage enough if you are ill?

I always tell people to look at the plan when you are well and then if you are ill...how...what does it cover you ...exactly????   Will you go broke if you become ill due to out of pocket bills???

2.  Even in Medicare Supplemental plans there is HMO and PPO.   HMO means that you need permission to go everywhere for anything.   PPO means that you can go where you want as long as you make sure that it is still in Network......that they accept your plan.....always make sure they accept your plan if you choose PPO supplements.

Make sure they all accept it...the doctor....pathology...radiology....everywhere...no surprise huge bills. 

The drug plan ....make sure the plan you pick covers all of your drugs.   Make sure you can get drugs in the pharmacy as well as by mail ....mail can be cheaper.


Know that with the Affordable Care Act ....it is not accepted everywhere..Before you do the Affordable care Act..know where the care is approved and given so you are not surprised.  

Many doctors no longer accept Medicare ....my surgeon does not...the list is growing everyday because of the tiny amount of money doctors are paid to care for you. 
 

If you are contemplating going on your employers group plan ...know the rules of what happens when you leave that job concerning your health insurance.   How long do you have it upon leaving...how much is cobra...would you be able to register with Affordable Care or afford a private plan upon leaving?

My advice is always to find a reputable agent that has been selling insurance for over 5 years.  They are a certified broker for many carriers.  They are knowledgeable and will take the time to spend with you...to explain things...how they work and earn your business.   The broker has an office and employs an assistant two.   They can give you references.

Do not buy over the phone....phone only people earn commission etc and that is what they are looking for...just the bottom line...they also are not knowledgeable enough to serve you properly.   Do not buy from a friend or relative just "because"...your life ....your health...advocate and take of yourself always.


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