Insurance plans are commitments that everyone can use some tips to navigate. Figuring out your medical needs is imperative to choosing the right insurance plan for you and your family.
What are Your Medical Needs?
Before looking at the insurance plans available to you, make a thorough list of your medical needs. Vision and dental are usually considered voluntary benefits that you can enroll in when the time comes. Most lower-tiered insurance plans require you to get referrals from your primary care physician to see a specialist. The amount your insurance will pay towards it is also varied.
Research the Plans Outside of Your Work
The insurance plans your employer will offer you come in three tiers—Bronze, Silver, and Gold. State-provided Medicare works the same way. Bronze has the lowest premium but also a harder deductible. It will more than likely require referrals to see any specialists, including dermatologists, cardiologists, and others. Silver is a great middle ground. Sometimes referrals are not required, and the deductible is reasonable. It will cost a bit more than the Bronze plan, but you should get Silver if you can afford it. Finally, the Gold plan is the best. The premium is much higher, but there is almost no deductible, no referrals are needed, and the benefits are excellent.
Ask Your Healthcare Professionals About the Insurance Plans They Take
Every year, medical practices change which insurance plans they take. Whenever you switch insurance, call all of your medical professionals about the insurance plans they take. Even if they have taken your insurance for years, plans change, and they may not be able to accommodate that plan anymore. If you are unsure about the status of your insurance plan with your doctor, consider speaking to their billing department. Medical billing specialists work with insurance companies every day and understand how plans are used.
Look into Voluntary Benefits
If you have other medical issues that are not covered by the basic insurance plan, seek out your insurance representative and ask about voluntary benefits. Accident insurance and most disability insurance fall under voluntary benefits.
Partner with Malden Solutions Today
Malden Solutions has a wealth of expertise in providing employer insurance solutions, HR solutions, and individual insurance solutions to businesses both big and small. Our team of seasoned professionals can help you navigate the rapidly-changing world of insurance with ease. We partner with businesses and individuals throughout the country to provide our dedicated services for employee benefits but also work within our surrounding communities in Maryland, Northern Virginia, and Washington, D.C. Contact us today to learn more about how we can provide effective, dynamic solutions for your business. Stay connected with us on Twitter, Facebook, and Linkedin.