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Choosing a Medical Insurance PolicyChoosing between policies is not as easy as it once was. Although there is no one "best" policy, there are some policies that will be better than others for your business and employees' health needs. Policies differ, both in how much you have to pay and how easy it is to get the services you need. Although no policy will pay for all the costs associated with medical care, some policies will cover more than others.Almost all policies today have ways to reduce unnecessary use of healthcare—and keep down the costs of healthcare, too. This may affect how easily an employee may get the care they want, but should not affect how easily they get the care they need. Pre-Existing ConditionsA pre-existing condition is a medical condition diagnosed or treated before joining a new policy. In the past, health care given for a pre-existing condition often has not been covered for someone who joins a new policy until after a waiting period. If your employees have any pre-existing conditions the may contact us in confidence where one of our medical advisors will be pleased to offer any advice. Most policies provide basic medical cover, but the details are what counts. For each policy you are considering, we will inform you how it handles: In choosing a policy, you have to decide what is most important to your company and most of all your employees. All policies have tradeoffs. Ask yourself these questions: After you review what benefits are available and decide what is important, we will compare the policies for you. Things we take in to consideration include services offered, choice of providers, location, and costs. The quality of care is also a factor. ServicesWhat services are limited or not covered? What types of care or services the policy won't pay for. These usually are called exclusions.ChoiceWhat doctors, hospitals, and other medical providers are part of the policy?LocationWhere will you go for care? Are these places near where your employees work or live? How does the policy handle care when you are away from home?You can't know in advance what your employees' health care needs for the coming year will be. But you can guess what services they might need. Quality is hard to measure, but more and more information is becoming available. As a specialist intermediary, Premier Healthcare Direct ONLY deal with those insurers who have a proven track record pertaining to quality of service and products. |
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