Medicare Insurance Help In Oregon- Markberkeygerard.Com http://www.markberkeygerard.com Tue, 16 Apr 2019 17:48:35 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Medicare part d drug insurance help -How to choose the best health insurance http://www.markberkeygerard.com/2019/04/16/medicare-part-d-drug-insurance-help-how-to-choose-the-best-health-insurance/ http://www.markberkeygerard.com/2019/04/16/medicare-part-d-drug-insurance-help-how-to-choose-the-best-health-insurance/#respond Tue, 16 Apr 2019 17:43:05 +0000 http://www.markberkeygerard.com/2019/04/16/medicare-part-d-drug-insurance-help-how-to-choose-the-best-health-insurance/ How to choose the best health insurance? Do you think you need additional coverage in the event of a medical event? Are you thinking about hiring health insurance? Do you know how to choose the policy that best suits your needs? Follow the guide at https://www.healthchamp.us/ and find out what you should take into account when […]

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How to choose the best health insurance?

Do you think you need additional coverage in the event of a medical event? Are you thinking about hiring health insurance? Do you know how to choose the policy that best suits your needs? Follow the guide at https://www.healthchamp.us/ and find out what you should take into account when making your decision.

Without a doubt, being protected from an accident, illness or any other unforeseen medical situation is a priority in anyone’s life.

However, although the National Health System is used by more than 50 million Spaniards, the coverage provided by the State is not enough for many families who expect greater and better quality care.

Given this, many have found the solution in private health insurance. Fewer waiting lists, the possibility of choosing the center of attention and the professionals, speed of services, state-of-the-art technology … the list of advantages of medical coverage adds up and continues.

But, in the face of the great existing offer in the market and the great variety in prices and types of insurance, how to know which one to choose ?.

Outpatient insurance policy, with co-payment, reimbursement or medical check-ups. Do you need help choosing the health insurance that best suits your needs? Pay attention, because here I give you eight tips to make the right decision.

1. Analyze your needs

The first step when choosing the best health insurance is to analyze your needs and those of your family group.

For this, it is important that you consider a series of factors that are decisive when calculating the price of a policy and its degree of coverage. Among them are:

  • Age of each of the beneficiaries of the insurance
  • Sex
  • Health status of family members
  • Life habits

It is important that you know your situation and that of the people that will be included in the insurance, as this will make it much easier to choose the appropriate coverage.

It is important to know that basic health insurance gives you access to several medical services such as general medicine, childcare, nursing, rehabilitation, family planning, oral treatments or preventive medicine, among others.

However, signing more or less complete insurance will depend exclusively on your health needs.

Today, the market offers special coverage, such as optical insurance, dental insurance, health insurance for women or other types of additional guarantees.

2. Choose the best insurance company

Choosing the best health insurer is another important point to consider before hiring health insurance.

It is necessary that you put yourself in the antecedent of the different companies that operate in your place of residence and that you analyze how reliable they can be.

What is your experience? What doctors are you working with? Do you have international coverage? Do you know someone who already has health insurance with that company? … all the information can be useful when choosing.

3. Find out about existing coverage

Do you already know your needs and those of your family? Then it will be necessary to know the types of coverage existing when hiring health insurance.

Currently, each insurance company has a wide range of possibilities and they will vary according to your own requirements.

Let’s review the coverages to which you can have access:

  • General medicine
  • Medical Specialties
  • Nursing
  • Rehabilitation
  • Family planning
  • Dental treatments
  • Preventive medicine
  • Pediatrics
  • Diagnostic tests
  • Outpatient surgical interventions
  • Hospital interventions
  • Emergency service
  • Chiropody
  • Ophthalmological care, etc.

Do not forget that it is you who decides the insurance coverage and the guarantees that it will include.

4. Think about the type of health insurance you want to hire

Regardless of the type of coverage you wish to hire for your medical insurance, it is important that you think about what type of modality you want to subscribe to , as this decision will directly affect the premium you will have to pay for your private medical coverage.

The modalities to which you can access are the following:

Medical box insurance

With this type of insurance, you can access the list of professionals and clinics associated with your company.

In this case, you can go to a medical consultation as many times as you want and, depending on the formula chosen, without any type of surcharge.

The modality of the medical chart is perfect for those people who do not have a lifelong treating doctor or for those who need to consult different specialists.

However, if your family doctor is not in your insurer’s list and you do not want to change your professional, it is best to opt for another type of modality.

With or without co-payments

Insurance with or without a copayment is an option that you can choose at the moment of signing a medical box policy.

  • Medical insurance with co-payment: both the insurer and the insured pay a part of the medical fees or services. This option is ideal for those who do not usually go to the doctor regularly.
  • Medical insurance without copayment: the insurer assumes all health expenses. This option is ideal for those people who need continuous care and who regularly attend the doctor.

Insurance with refund

Unlike medical insurance, with this type of modality, you can go to the doctor or clinic of your choice without the need for it to be on the insurer’s list of professionals.

However, you must assume part of the cost of care which, depending on the company; it is usually between 70 and 100%.

Mixed insurance

Mixed insurance is that modality that includes medical insurance and insurance with reimbursement in the same policy.

In this way, you can go to the doctors who are part of your insurer’s list as well as to the professionals of your preference.

5. Find out about all exclusions

It is important to know that health insurers have the power to reject a potential client if they consider it as a non-profitable person.

Among the most well-known exclusions set by companies are:

  • Physical disabilities caused by attacks, wars or epidemics
  • Sports injuries
  • Detoxification treatments for addictions (drugs, tobacco, alcohol, etc.)
  • Plastic surgery
  • Dialysis
  • HIV treatments
  • Transplants
  • Studies of the genetic map, etc.

For this reason, it is very important that you declare any type of illness or disability (physical or mental) to your insurer.

Otherwise, your coverage could be annulled for not having declared your situation and lied about your state of health.

6. Find out about the grace periods fixed by your insurer

The grace period is the time between insurance registration and the day you can start using your coverage.

And although all insurers have similar deadlines regarding the grace periods, it is necessary that you have them clear before signing your insurance.

Among the usual shortages the periods are the following:

  • Surgical interventions or hospitalizations = 6 months
  • Childbirth = between 8 and 10 months
  • Assisted reproduction treatments = around 24 months
  • Diagnostic tests or complex clinical analyzes = between 3 and 6 months

7. Look at the complementary services

A point that you should not miss before deciding on your health insurance is to ask about the complementary services that will be associated with your policy.

Many times, insurers include complementary services in their medical insurance that you have not requested but that will automatically raise your annual premium.

8. Compare offers

Finally, it is very important that you compare the offers offered by the market. Read the fine print of the contracts, quote, evaluate prices … everything is valid when making the best choice.

Today, there are different sites specialized in the comparison of medical insurance, do not hesitate to resort to them.

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How to enjoy a healthy trip http://www.markberkeygerard.com/2019/04/06/how-to-enjoy-a-healthy-trip/ http://www.markberkeygerard.com/2019/04/06/how-to-enjoy-a-healthy-trip/#respond Sat, 06 Apr 2019 03:43:34 +0000 http://www.markberkeygerard.com/2019/04/06/how-to-enjoy-a-healthy-trip/ In the list of essentials for a trip many times you forget to include a section for the first aid kit or take into account conditions of the place you visit such as the health of the water or the type of activities that are going to be done and what is needed to carry […]

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In the list of essentials for a trip many times you forget to include a section for the first aid kit or take into account conditions of the place you visit such as the health of the water or the type of activities that are going to be done and what is needed to carry them out correctly, for example, a walk with flip flops is not the best idea …

Tips for enjoying a healthy trip

The first thing we must take into account when making a trip is to inform us in advance about everything related to health, especially if we are or travel with people of “risk” such as children, the elderly or pregnant.

In the event that the trip is to a foreign country, it is advisable that we go to the embassy of the country of destination to inform us of any health risk associated with the stay and to take appropriate preventive measures. Remember that you have to be especially careful if you visit an exotic country since in certain territories there are diseases that are not widespread in our country and to which we are not immunized, which will require the administration of vaccines. It is necessary to be informed in the vaccination centers sufficiently in advance for the vaccine to take effect.

Food is another factor that we must take into account during the trip. Food is one of the main elements of disease transmission and, therefore, it is advisable to eat in establishments of trust. Avoid eating food in street stalls, which may not enjoy the relevant hygiene measures and can lead to digestive problems or poisoning.

In this sense, we must also be careful with the intake of liquids. It is important that we stay hydrated, but we should try as much as possible to consume bottled drinks and avoid the ice since we do not know the origin of this water and the portability of it.

We also have to be careful with the personal hygiene and hygiene of the places where we stay or visit, to obtain better protection of our health.

Should I bring some kind of health documentation with me?

The answer is yes. It is important that at the time of making a trip you carry your health care and medical history to be forewarned, especially in case you suffer from a chronic illness.

Also, if the trip allows it, we can carry a kit with basic medicines such as analgesics and anti-inflammatories and other basic healing materials such as bandages or gauze in case we get hurt.

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Time is money, and health too: digitization http://www.markberkeygerard.com/2019/01/23/time-is-money-and-health-too-digitization/ http://www.markberkeygerard.com/2019/01/23/time-is-money-and-health-too-digitization/#respond Wed, 23 Jan 2019 05:19:17 +0000 http://www.markberkeygerard.com/2019/01/23/time-is-money-and-health-too-digitization/   “Health is real wealth and not pieces of gold and silver.” Mahatma Ghandi If time and health are gold, and without wanting to compare us with a figure like Ghandi or bring a new saying to the wise and rich Spanish refranero, we can provide another saying, if only to present this post. “Time […]

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“Health is real wealth and not pieces of gold and silver.” Mahatma Ghandi

If time and health are gold, and without wanting to compare us with a figure like Ghandi or bring a new saying to the wise and rich Spanish refranero, we can provide another saying, if only to present this post.

“Time in health is gold squared.”

The current world is moving at full speed and the technological revolution in which we are immersed is contributing, despite its numerous failures, to save time and gain comfort. Of course, when health (or lack of it) is the protagonist, the need for medical attention becomes even more important. Having effective, affordable, early and even immediate care (without losing the necessary closeness between health professionals and patients) is one of the demands of the consumer today. Because health cannot wait.

This is the reason for digitization in health insurance, which, like in other areas, is advancing by leaps and bounds and helping to offer a better service. Without being able to forecast what will happen tomorrow, since the novelty today can be obsolete in two days, so far the digital transformation seems to be as effective as efficient, both globally and in the insurance sector. How does it influence the field of health insurance? Let’s go see it.

The digital transformation in the sector

The lack of current time has become a major problem today, as more and more people postponed or suspended their necessary visits to the doctor due to this issue. A dangerous situation for many patients, who have paid with their own health that shortage of vital time, and that has added to the problem of long waits that often have to face citizens before being treated in public health.

Many health insurers have known how to make a virtue of necessity and have expanded their offer by offering an increasingly digitalized service. How? Providing medical assistance through electronic devices, whether ubiquitous smartphones, tablets or computers.

For this reason, many companies already have their own applications for conducting online consultations, which are gaining a lot of presence today. Not to replace the face-to-face consultations (because of much less any disease or illness can be resolved remotely), but to complement them. In that sense, we must be very aware, as users, that we should not fall into the error of considering that everything can be resolved online.

Beyond that, digitization in the healthcare sector also offers other important advantages to the client. For example, booking a medical appointment, authorizing certain medical tests, etc. that is usually done in a more comfortable and quick way than telephone or in person.

Thanks to these services, the user obtains greater control over both their health and the health care they receive. And companies are working more and more thinking of the digital natives -which, due to the law of life, are becoming more and more-, although they should not leave aside those less used to dealing with new technologies, such as the Third Age.

Mobile devices, essential

To understand this process of digitalization, we must bear in mind that mobile devices are the protagonists. They are used for a large number of applications launched by companies, or adaptations are made of the websites of insurers. The concept of self – management is another key since the client has more and more in his hands -never better said- the demand for information and medical assistance.

As every revolution has one side A and another B, the risk that runs in this global world is the dreaded loss of privacy of medical data of patients, a risk in which cybersecurity companies work daily in order to of, if not stop it, at least minimize it to the maximum.

In every change, there is usually a good and a bad part, and the digitization of health insurance is no exception. However, we can not deny two realities: that transformation is inevitable and that it seems to offer more advantages than disadvantages. Time, always time will have the answer.

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