Quel régime d’assurance maladie me convient le mieux?

L’assurance maladie s’est avérée d’une grande aide et d’une aide financière dans certains cas lorsque des événements se produisent de manière inattendue. Lorsque vous êtes malade et que votre santé est gravement menacée et que les finances semblent incapables de subvenir à vos besoins, l’assurance maladie est là à la rescousse. Un bon régime d’assurance maladie améliorera certainement les choses pour vous.

Fondamentalement, il existe pharmacie en ligne suisse deux types de régimes d’assurance maladie. Votre première option est les plans d’indemnisation, qui comprend la rémunération à l’acte et la seconde est les plans de soins gérés. Les différences entre ces deux comprennent le choix offert par les fournisseurs, le montant des factures que l’assuré doit payer et les services couverts par la police. Comme vous pouvez toujours l’entendre, il n’y a pas de plan ultime ou meilleur pour qui que ce soit.

Comme vous pouvez le voir, certains plans peuvent être bien meilleurs que les autres. Certains peuvent être bons pour vous et pour les besoins de santé et de soins médicaux de votre famille. Cependant, parmi les conditions douces du régime d’assurance maladie présentées, il y a toujours certains inconvénients que vous pourriez envisager. La clé est que vous devrez peser judicieusement les avantages. Surtout qu’aucun de ces régimes ne paiera tous les dommages financiers liés à vos soins.

Voici une brève description des régimes d’assurance maladie qui pourraient convenir à votre cas et à celui de votre famille.

Régimes d’indemnisation

Plans de dépenses flexibles – Ce sont les types de plans d’assurance maladie qui sont parrainés lorsque vous travaillez pour une entreprise ou un employeur. Ce sont les plans de soins inclus dans votre ensemble d’avantages sociaux. Certains des types spécifiques d’avantages inclus dans ce plan sont le plan de conversion avant impôt à options multiples, les plans médicaux plus les comptes de dépenses flexibles, le plan de conversion fiscale et les plans de cafétéria à crédit d’employeur. Vous pouvez toujours demander à votre employeur les avantages inclus dans vos plans de soins de santé/assurance.

Régimes d’indemnisation de la santé – Ce type de régime d’assurance maladie vous permet de choisir vos propres fournisseurs de soins de santé. Vous avez la liberté de vous rendre chez n’importe quel médecin, établissement médical ou autre fournisseur de soins de santé moyennant une prime mensuelle fixe. Le régime d’assurance vous remboursera, ainsi que votre fournisseur de soins de santé, selon les services rendus. Selon la politique du régime d’assurance maladie, il y a ceux qui offrent une limite aux dépenses individuelles, et lorsque cette dépense est atteinte, l’assurance maladie couvrira intégralement les dépenses restantes. Parfois, les régimes d’assurance maladie imposent des restrictions sur les services couverts et peuvent exiger une autorisation préalable pour les soins hospitaliers et autres services coûteux.

Plans de santé de base et essentiels – Il fournit une prestation d’assurance maladie limitée à un coût d’assurance considérablement bas. En optant pour ce type de régime d’assurance maladie, il est nécessaire de lire la description de la police en mettant l’accent sur les services couverts. Il existe des plans qui peuvent ne pas couvrir certains traitements de base, certains services médicaux tels que la chimiothérapie, les soins de maternité ou certaines prescriptions. De plus, les taux varient considérablement puisque, contrairement à d’autres plans, les primes tiennent compte de l’âge, du sexe, de l’état de santé, de la profession, de l’emplacement géographique et de la communauté.

Comptes d’épargne santé – Vous possédez et contrôlez l’argent de votre HSA. C’est l’alternative récente aux régimes d’assurance-maladie à l’ancienne. Il s’agit de produits d’épargne conçus pour offrir aux assurés différents moyens de payer leurs soins de santé. Ce type de régime d’assurance permet à l’individu de payer les dépenses de santé actuelles et également d’économiser pour les futurs frais médicaux qualifiés et les frais de santé des retraités en franchise d’impôt. Avec ce plan de soins de santé, vous décidez de la façon dont votre argent est dépensé. Vous prenez toutes les décisions sans dépendre d’un tiers ou d’un assureur maladie. Vous décidez quel placement fera fructifier votre argent. Cependant, si vous souscrivez à un HSA, des plans de santé à franchise élevée sont requis en complément de ce type de plan d’assurance.

Plans de santé à franchise élevée – également appelés couverture d’assurance maladie catastrophique. Il s’agit d’un régime d’assurance maladie peu coûteux qui n’est activé qu’après avoir atteint une franchise élevée d’au moins 1 000 $ pour une dépense individuelle et de 2 000 $ pour les frais médicaux liés à la famille.

Options de soins gérés

Organisations de fournisseurs privilégiés – Ceci est facturé sur la base d’une rémunération à l’acte. Les fournisseurs de soins de santé concernés sont payés par l’assureur selon un tarif et un calendrier négociés. Le coût des services est probablement inférieur si l’assuré choisit un fournisseur hors réseau et généralement tenu de payer la différence entre ce que le fournisseur facture et ce que le régime d’assurance maladie doit payer.

Point de service – Les régimes d’assurance maladie POS sont l’une des options de type indemnité dans lesquelles les fournisseurs de soins de santé primaires orientent généralement vers d’autres fournisseurs au sein du régime. Dans le cas où les médecins font des références qui ne sont pas couvertes par le plan, ce plan paie la totalité ou la majeure partie de la facture. Cependant, si vous vous référez à un fournisseur externe, les frais de service peuvent également être couverts par le régime, mais la personne peut être tenue de payer la coassurance.

Organisations de maintien de la santé – Il offre un accès à un réseau de médecins, d’établissements de soins de santé, de prestataires de soins de santé et à une variété d’établissements de soins de santé. Vous avez la liberté de choisir votre médecin traitant personnel à partir d’une liste qui peut être fournie par le HMO et ce médecin choisi peut se coordonner avec tous les autres aspects de vos soins de santé. Vous pouvez parler avec votre médecin principal choisi pour d’autres références à un spécialiste. Généralement, vous payez moins de frais remboursables avec ce type de régime d’assurance maladie. Cependant, dans certains cas, des frais ou une quote-part peuvent vous être facturés pour des services tels que des visites chez le médecin ou des ordonnances.

363 comments

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