The switching season for health insurance started almost a month ago. Yet most people do not look into their health insurance until December. And then the question is whether they will switch. Only 6 percent of health insurers change every year. Still, switching can sometimes pay off. Medigap Plans 2021 has a diverse choice of health insurance plans. Here are tips you should pay attention to.
Basic insurance the same everywhere
What is included in your basic package is determined by the government. The content of the basic insurance is therefore the same for every insurer. The basic insurance pays for the necessary medical care such as the general practitioner, the hospital, psychological assistance, an ambulance and emergency care. Paramedical care and aids are reimbursed under certain conditions.
You should take a good look at the policy values that you have received from your insurer. Please note that you can contact the practitioners in your region. You shouldn’t have to go to a hospital on the other side of the county for knee surgery because your insurer doesn’t have a contract with the nearest hospital. Incidentally, insurers have an obligation to accept the basic insurance, so even if you are chronically ill, you can look to another insurer.
Different types of insurance
With reimbursement insurance, there is a maximum freedom of choice and you will be reimbursed the full bill, provided it is not excessively high. But if your health insurance does not yet have agreements with your care provider, you may have to pay the bill yourself first. Refund insurance is relatively expensive. The budget policy is the cheapest in-kind insurance with the smallest choice of healthcare providers.
Check your group insurance
Check carefully what the discount is that you get with a group insurance. Group health insurance is health insurance that you take out with a large number of people. For example, an insurance policy especially for employees of a certain company or members of a sports club. Many patient associations for chronically ill have also concluded collective health insurance policies with insurers. Group insurance does not mean that it is the cheapest insurance for you. Sometimes you pay even more premium with another insurance policy where you do not receive a discount.
Check if your insurance still suits you
Check every year whether your health insurance still fits your current situation. When you got dentures this year, you have to ask yourself whether you still need that dental insurance that you took out years ago. And perhaps you chose an additional package when you had children and those children have already been insured for a long time.
But even if things are going to change, you have to take a good look. If you are pregnant or need to have a molar replaced with a crown, an additional package may well pay off. Your research may also show that you should stick with your insurer, because they have the best package for you.
The basic insurance only covers the basic healthcare. Those who want more extensive reimbursements such as physiotherapy or other care can take out additional insurance. These come in all shapes and sizes. From limited to very extensive. Nevertheless, it is not always useful to take out additional insurance. If you hardly use your additional and / or dental insurance, you have to ask yourself whether you should keep it longer. But even if you do use your additional package, it is wise to look at it.
If you are not at all waiting for mail from your insurer, take out online insurance. Then you often have the same cover, but only digital contact. That is often also cheaper. With an online insurer you declare your bills online and you also view your policy online instead of on paper.