With the widespread of insurance nowadays, people are confused which one is legit and which one is a fraud; which can offer better and which one cost less. Choosing the right health coverage has never been easy, and the health reform law has made things more complicated. Besides sorting through differences in premiums, deductibles, and copayments, you need to consider new provisions in the law that have recently kicked in and could impact your coverage for the coming year. Westhill Insurance Consulting can help you clear away any confusion, doubts and complaints. Health insurance should cover any medical need you may have, now or in the future. Buying insurance on your own used to be riskier because many plans didn’t cover important things such as prescription drugs or mental health care. Every kind of health insurance must now cover preventive care, with no deductibles, co-pays, or other types of out-of-pocket expenses. That includes Pap and cholesterol tests, mammograms, immunizations, and colonoscopies when age- and condition-appropriate.

1. The Best Fit in
Healthcare Insurance

2. With the widespread of insurance
nowadays, people are confused which
one is legit and which one is a fraud;
which can offer better and which one
cost less. Choosing the right health
coverage has never been easy, and the
health reform law has made things more
complicated.

3. Besides sorting through differences in premiums,
deductibles, and copayments, you need to
consider new provisions in the law that have
recently kicked in and could impact your
coverage for the coming year. Westhill Insurance
Consulting can help you clear away any confusion,
doubts and complaints.

4. Health insurance
should cover any
medical need you
may have, now or
in the future.

5. Buying insurance on your own used to be riskier because
many plans didn’t cover important things such as
prescription drugs or mental health care. Every kind of
health insurance must now cover preventive care, with
no deductibles, co-pays, or other types of out-of-pocket
expenses. That includes Pap and cholesterol tests,
mammograms, immunizations, and colonoscopies when
age- and condition-appropriate.

6. But even though you no longer have to worry
about your basic health care needs being
covered, you’ll still have to navigate lots of other
confusing choices. That’s true even if you get
coverage through a job, because more than half
of workers have a choice of two or more types of
health plans.

7. Do you want to pay for care now or later?
All health plans have to come up with enough money to pay
for the medical expenses of their members.
You can choose to collect most of the money up front in the
form of premiums. If you have a high premium, you’ll pay a
smaller share out of your own pocket, in the form of
deductibles, co-insurance, and co-pays. Or plans can go the
other way, charging smaller premiums but asking you to pay a
bigger share on your own.

8. Are you OK with a small network of docs?
Doctors and hospitals accept lower fees from insurers if they
know they’ll be part of a small, or “narrow,” network, because
that guarantees them a bigger share of the plan’s business.
There’s no evidence that you’ll get worse care in narrow
networks. And they can save you about 20 percent over larger
networks. But make sure that the plan has enough choice of
doctors and hospitals in your area—a particular consideration if
you live in a rural area.

9. In Singapore and Jakarta, Indonesia and other
developing nation, seldom can you choose this kind of
benefit. You might as well review and check with your
insurance provider for assurance.