Health insurance is necessary to benefit from prevention, diagnosis and appropriate medical treatment. Several Western countries have some form of the health system.
However, in the United States, most US citizens must find health insurance on their own.
This article aims to help them find health insurance that suits you if you work in the country of Uncle Sam. It can also help to enrich the knowledge of readers of other countries to enable them to improve their social security coverage. the limits allowed by their national systems.
Seeking a health insurance plan
Examine the plans offered by your employer
Many companies offer health insurance plans for their full-time employees.
You can include your entire family and you will have to pay a monthly contribution, the amount of which depends on the plan you have chosen and the number of people it covers. These plans are usually offered by companies.
- The least expensive option is to join a health maintenance organization (HMO). In this formula, you speak to a general practitioner who takes charge of your primary care and refers you to a medical specialist if necessary.
- Preferred Provider Organizations (PPOs) are more expensive, but they give you more flexibility in choosing your GP. You can directly consult any specialist contracted, that is to say having an agreement with the organization, without going through your general practitioner.
- The individualized service plan (Point of Service or POS plan) allows you to benefit from reduced-rate medical services when you are talking to licensed practitioners, but you can choose to pay more by contacting non-standard doctors.
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Take COBRA into consideration by choosing temporary health insurance.
The federal Consolidated Omnibus Budget Reconciliation Act, or COBRA legislation, allows the continuation of health insurance after the breakdown of your social security coverage.
You will receive the same coverage and you continue to pay the same contributions. If you are going to leave your job, ask your company to provide you with information about COBRA.
Look for an individual insurance plan
Most insurance plans offer a formula for individuals and their families. This option may be suitable for a self-employed person or a person who does not benefit from a protection plan that is the responsibility of a company.
Contributions depend on a number of factors, such as age, cigarette consumption, etc. You can find individual health insurance in three different ways:
- Contact an insurance company directly. In many regions, the number of health insurance plans available is limited. Check with hospitals and clinics in your area to identify acceptable insurance plans, then contact the companies that offer these plans.
- Take bond with an insurance agent or broker. Look for insurance brokers in your area who represent more than one insurance company.
- Use online comparison sites. These sites collect the necessary information and compare the different health insurance plans in your area.
Check if you can benefit from your parents’ health insurance plan.
Under the provisions of the Affordable Health Care Act, a child under the age of 26 may benefit from the health insurance plan of his or her parents, if this plan is applicable to the children of insureds. You can benefit from your parents’ coverage plan, even if:
- you are married
- you do not live under the same roof as your parents
- you are attending a school
- you are financially autonomous
- you are eligible to benefit from a health insurance plan of a company.
Join a professional organization to benefit from a group health plan
This formula is less expensive than individual health insurance. If the cost of individual insurance seems high, check if the professional organizations offer a group insurance plan. Your local Chamber of Commerce may also offer health insurance plans to businesses in your area.
Opt for high-risk insurance if you already have an illness or if you are a very vulnerable person
High-risk insurance is private and self-financing. Although organized by the state, they are administered by their own councils and their own administrators. They are suitable for people who meet the eligibility requirements, but who can not benefit from group insurance.
- You can join high-risk insurance by contacting an insurance broker or, in some cases, directly from the government. Generally, you will find this type of insurance at an insurance company or a third-party administrator. Thus, your paperwork and your claims may not carry the issuance references of the high-risk insurance company in question.
- In many ways, high-risk health insurance plans have coverage similar to regular plans. The usual cover includes a comprehensive plan with a range of optional franchises. In addition, these insurances offer excellent chronic disease management programs, as members of these insurances suffer.
- High-risk insurance costs an average of $ 25 ($ 18) to $ 50 ($ 36) more than regular personal health insurance.
- Currently, 33 states practice high-risk health insurance. To check if your state is part of it, check out this website.
Join a health insurance plan
Talk to the Human Resources Manager to join your company’s insurance plan
The manager will help you fill out the health insurance membership forms. Your business will offer you at least one plan that you can join.
It may tell you several insurance companies that will allow you to implement your plan.
By completing your membership application, you will probably need the following information:
- your previous insurance plan
- eligible dependents
- eventually, the serious illnesses you suffer from.
Fill out an application to join an individual health insurance
Determine the insurers that are accepted by health facilities in your area, then choose a health insurance plan that suits your needs.
Nowadays, it is easier to register online. In your online registration form, you will probably need to provide information about:
- your previous insurance plan;
- your medical history and possibly the treatment and medications you are taking
- your health insurance plans and your previous doctors.
Wait until the insurance company approves your application in case the plan does not depend on a company
The response time of insurance companies varies from weeks to months, depending on the company and the accuracy of the information you provide in support of your application.
Contact the company if you have questions about the insurance plan or if unexpected events occur in the meantime.
Wait to know your membership date
If your application is accepted, the insurance company will inform you of the date of your membership which corresponds to the date from which you can use your health insurance to pay for your medical expenses, such as medical consultations, etc.
You may have a gap of several weeks between your membership date and the date of acceptance of your application by the insurance company.
Pay your monthly fee and disbursements for medical consultations
If you have joined an insurance plan under a corporate, disbursements are usually subtracted automatically from your salary.
If you have joined an individual plan, do not forget to pay your monthly dues.
Generally, insurance companies give you a grace period of one month before breaking your coverage for unpaid bills.