How to choose a medical insurance?

How to choose a medical insurance?

The care of our and our family is a very important issue in the women’s agenda. Especially, because we are the ones who get involved most strongly in everything related to hospital care, doctor visits, medication administration, etc.

We care of our health with excellence. It is in our feminine nature and although it is true that we have access to public health, the contracting of a medical insurance is not ruled out. Especially, if one of your children is of delicate health or you have an older adult at your expense.

Today I want to talk about aspects to take into account for the selection and contracting of health insurance on Blue Cross Blue Shield of Illinois.

Choosing our health insurance is similar to choosing home insurance. The most important thing is to be clear about our needs, so as not to go crazy with so many options that are right now in the market.

I present a series of points that you must take into account before choosing health insurance.

Before signing the health insurance

The contract you sign with your insurer is the fundamental basis of your health insurance. There is the type of medical assistance that you choose to receive in a personalized way and those points have to be very clear before signing.

Benefits of health insurance

Having a private medical insurance gives us faster and more comfortable access to a wide range of medical centers, hospitals, specialists, new treatments and sanitary techniques.

Health insurance coverage

You can find new coverage that are not always available in all insurers. The basic coverage are the following:

  • General medicine
  • Pediatrics
  • Nursing

The specific coverages and sometimes must be negotiated are:

  • Hospitalization
  • Emergency
  • Assistance at home
  • Specific treatments
  • Preventive medicine
  • Other services (prostheses and transplants)
  • Family planning
  • Dental coverage

Exclusions in the policy

You have to investigate the exclusions of the medical insurance to not take you a surprise in the future. Generally, policies usually exclude aesthetic medicine interventions, sex changes, morbid obesity and robotics, but this may vary according to the insurance company.


Types of medical insurance

You have already seen that currently in the market you have a multitude of medical insurance to choose from. I’ll help you to understand them.

There are different types that depend on the coverages that compose them, but you can also customize them.

Then I explain the general bases of the types of medical insurance and so it will be easier to choose one or the other.

Modalities of medical insurance

Medical insurance with co-payment

You can be attended at all medical centers and hospitals agreed by your insurer. In this mode, in addition to your monthly premium you must make the payment decided by the center you have chosen according to the type of treatment or visit. The co-payment expected can be 40%, 50% or 60% of the service, as usual.

Medical insurance without co-payment (the most recommended!)

You have at your disposal all the centers and hospitals that have an agreement with your insurer and you do not have to make extra payments in treatments or visits. In this type of insurance, the monthly premium is generally higher than the medical insurance with co-payment.

Medical insurance with reimbursement

You will be able to choose the doctor and center that you want to attend to you whether it is agreed with your insurer or not. The services that you use and are not covered in your policy, you must bill them to your insurer and this will be responsible for reimbursement from 70% to 100% depending on your modality. Many insurer provides discounts on purchasing health products such as due to Blue Cross Blue Shield Fitbit’ partnership, they are providing products at discount rates to their 60 million members  The premiums on this type of insurance are usually quite high.

Medical insurance without hospitalization

You will enjoy medical visits and treatments at centers and hospitals that have an agreement with your insurance company. But if you need to be hospitalized for possible interventions or illnesses, you will have to pay it separately.

Dental health insurance

It only covers dental treatments that are not usually covered in medical policies. Dental health insurance includes preventive dentistry services, diagnostic tests, fillings, endodontics, periodontics, pediatric dentistry, orthodontics, prosthetics, oral surgery, implantology, etc.