10 Tips Health Insurance USA for Foreigners And Resident (Plans And Price)
Tips Health Insurance USA for Foreigners And Residents (Plans And Price) – Individual health insurance can be an option for those who have homes and visitors to the USA with low planning and prices. Health is an essential thing that we must take care of. Because healthy is expensive. When you are sick, you certainly need medicine or treatment, which is not cheap.
That’s why there are so many agencies that offer health insurance assistance. Health insurance is one of the most important things. Yes, because insurance can prevent you from financial risk when you are sick.
Critical illness insurance has essential benefits. This can protect those of us who are at risk of having a critical illness that will be obtained after being diagnosed with a hazardous disease by a doctor.
As reported by Finansialku.com, usually, the most common critical illnesses are covered by insurance companies, namely stroke, cancer, heart disease, diabetes, tuberculosis, kidney, and hepatitis.
Tips Health Insurance USA Plans and Price
Before choosing a critical illness insurance product, we need to pay attention to certain things so that there are no misunderstandings with insurance companies and the wrong decision to buy insurance.
But today, insurance companies are mushrooming everywhere. So it is important for you to know how to choose the right insurance. Does the insurance you choose to cover all your needs? We will share complete information through the following review.
When you hear ‘risk,’ what comes to your mind? Something scary, uncomfortable, and uncomfortable. Risks in life are unpredictable. Things we never expect, such as death, loss of valuables, damage or illness, and other unexpected events.
Therefore, it is important to have insurance coverage. One type of insurance known to the public is health insurance. If you’re still confused, here are 10 tips that will help you choose the right health insurance.
Understand the types of health insurance products
Broadly speaking, there are two types of products offered by health insurance companies: hospital benefits and cash plans.
This type of hospital benefits insurance product provides detailed reimbursement for the various costs we incur during hospitalization.
The claim system used is cashless or non-reimbursement; Usually, the payment for treatment at the hospital is done by swiping the health insurance card.
While the hospital cash plan is a type of insurance product that provides reimbursement with a certain (nominal) amount in accordance with the agreement at the beginning of the contract.
For example, Rp. 500,000 per day when the customer is hospitalized, regardless of how much the customer costs.
The claim system is reimbursement, where the customer pays the medical fee in advance, which will be reimbursed by the insurance company after filling out the reimbursement application form.
Customize to your needs
Various health insurance products often make you confused, so you can choose the wrong health insurance that do not suit your needs.
To prevent this, understand your needs and medical history. After that, choose the appropriate health insurance and later ease the financial burden on you and your family.
A financial planner from Financial Consulting provides advice; you should first collect the type of service you want according to your budget.
For example, let’s say you collect data about the cost of treatment at a hospital and its facilities (eg, VIP class with a doctor’s visit fee of IDR 250,000 and other facilities). After collecting all the data, you will find what health insurance suits your needs.
Know the benefits you will get
Before choosing health insurance, know the benefits you will get. For example, this benefit guarantees the availability of funds needed to finance the health needs of you and your family as customers. That way, you don’t have to worry about health costs anymore.
Simply by claiming and showing authentic evidence, such as a payment receipt, the insurance company will pay for medical expenses at the hospital.
Another benefit is that you will manage your finances well because you have to pay a monthly premium. In other words, you have to set aside your salary as an employee for premium payments as a reserve fund for your health.
Knowing the hospitals that cooperate and the types of treatment
In choosing health insurance, you must know which hospitals can accept claims from insurance companies.
We recommend that you choose an insurance company that can accept claims from all hospitals or hospitals that are easily accessible or close to where you live.
Make sure you know which hospital works with your chosen insurance company and the treatment type.
In general, there are two types of treatment offered by health insurance companies: outpatient (outpatient) and in-patient (in-patient). Insurance companies also cover the costs of childbirth and dental care.
Choose the premium that suits your financial condition
Cheap premiums and complete dependents are the desires of health insurance customers. However, what you need to know is that the more complete the coverage provided by the insurance company, the higher the premium you have to pay.
If you want to set up a health fund, choose insurance that will not strangle your finances. Don’t neglect your health today because your basic needs are not being met due to paying high premiums.
Therefore, choose health insurance with premiums that suit your finances. For example, you pay a health insurance premium of 10% of your salary.
Check the credibility of the insurance company.
Insurance is a long-term product. Because it is long-term, you should choose a credible insurance company.
The easy way is to look at their experience handling health insurance services and the claim process. Do not be tempted and quickly believe in cheap premiums offered with complete benefits and types of treatment.
Each insurance company has different types of treatment and premiums for its customers with varying details of coverage. All information is contained in your policy, so read it carefully.
Research the ease of claiming
Many customers feel cheated because they have to pay medical fees in advance. In this case, they take insurance products with a reimbursement system.
So, don’t let you become a customer who feels disadvantaged. Know carefully the convenience of the health insurance claim system that you will choose.
Basically, there are two types of claim systems, namely cashless and reimbursement. In a cashless or non-reimbursement system, payment for hospital care is usually made by swiping a health insurance card.
Whereas in the reimbursement system, health insurance customers must pay all medical expenses incurred in advance.
Only then billed to the health insurance company by attaching a payment receipt from the hospital.
Compare with insurance products from other companies
As more and more insurance companies offer a variety of health care products and benefits, the more options you should have.
Don’t just stick to one insurance company. You should look for information about other insurance companies and compare their insurance products.
Things you should pay attention to when comparing insurance products include:
- monthly premium
- type of health service
- claim system
- employer or hospital, other
- benefits offered by health insurance companies
Avoid taking insurance through telemarketing
Insurance agents who recruit customers are generally done face-to-face. However, insurance agents also contact prospective customers by telephone or telemarketing. Due to the short time, insurance products cannot be explained in detail.
You better ponder and analyze. And seek more information before deciding to accept the offer. If you are already a customer and want to terminate the contract, the premium collected is usually non-refundable.
Remember, you will lose tomorrow if you don’t choose today carefully. So, please take a few days to think about it before you decide.
Choose a pure health insurance
If you need full health insurance benefits but are on a budget, you should have pure, stand-alone health insurance.
Pure health insurance premiums are relatively lower than insurance plus investment because pure health insurance funds will not be used for investment purposes.
You can also experience travel health insurance USA in several cities in the US, such as Texas, Los Angeles, New York, Washington, and Miami. United States visitor health insurance can be your choice so that you are not worried about expensive health costs in this big country.
Choosing a good health insurance USA requires a special strategy and should not be done in a hurry. Try the ten tips above so that you get health insurance that suits your needs and financial condition. If necessary, seek advice from your financial planner to make your choices even better.
