In this modern time, taking care of our health becomes even more important, especially with the threats from junk foods, unhealthy lifestyle and dangerous pollution lurking around us every day. If you want to stay healthy for the sake of your better future, eating healthy and exercising is not enough. You also should have an excellent health insurance plan to protect you. Whether you get your insurance plan from Maine Community Health Options or other insurance company, the most important thing is to choose the plan and coverage that will be perfect for you and your health conditions. Here are some things you need to do before purchasing an individual insurance plan.
Compare Different Plans
Basically, there are four different types of insurance plan—Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service Plan (POS).
If you don’t want to pay too much for your insurance plan, it is best to choose Health Maintenance Organization. When you choose this plan, your visit to the doctors will only be reimbursed if you go to the insurance company’s in-network doctors. If you need to go to see specialists, you also need referral from the doctor first.
But in the other hand, if you want all the flexibility an insurance policy can offer, PPO is the best choice for you. You will be reimbursed no matter which doctor you visit and you will not need referral to see the specialist. The downside is, the premium of this plan can be very expensive.
Whether you purchase the insurance policy from Maine Community Health Options or other providers in the marketplace, after choosing which plan you want, make sure you research the network first. Make sure the doctor, specialist and health institution of your choice is part of the network. Otherwise, you will have to spend bigger out of the pocket fee even though you don’t pay much for the main premium fee.
Make Sure You Get All the Benefits You Need
When choosing a health insurance plan, you definitely will think about how much money you should pay each month. However, the premium fee should not be your first consideration when choosing insurance policy. The most important thing you need to consider is whether the plan covers everything you need. If your family has a certain history of genetic disease, it is best to find an insurance plan that gives the best benefit for that disease even if you are not suffering from it now. If you are suffering from a certain serious disease like diabetes or heart condition, find an insurance plan that covers the medication.
The same goes when you are planning to get pregnant. Make sure the insurance policy covers maternity service. This is very important because maternity health care can be very expensive, but if you have an insurance to cover it, everything will be easier for you. It is indeed very difficult to find the right health protection plan. So, you can start by looking at wide range of individual insurance from Maine Community Health Options if you need a good place to start.