Choosing the Right Healthcare Provider is More Important Than You Think
A Breakdown of What to Consider
For many, healthcare can be a frustrating topic, especially when picking an option for a Senior in your care. However, it doesn’t have to be! Knowing that you have the right coverage for you and your family should bring peace of mind. So what’s the best way to avoid that frustration?
First, ensure you and the loved one under your care have just the right healthcare plan for their needs. Often, you may find yourself not wanting to deal with the paperwork and simply choosing the cheapest option available, but when it comes time to use it, your loved ones are not as covered as you thought. Don’t be caught off guard by coverage limitations or deductibles, and make sure you’re considering these essential items when choosing the right provider.
Start with your healthcare marketplace.
If you can find a healthcare plan through your employer, that is usually the more straightforward and most cost-effective route to find your plan. This would mean that your company is your marketing place. However, if the dependent you’re shopping for doesn’t qualify for coverage through your employer, there are other options. For example, you can search for alternative healthcare providers through government programs, a private exchange, or directly from your preferred insurance company if this is the case.
If you find yourself in need of a starting point, we recommend going to HealthCare.gov and entering your ZIP code to learn more about your local options and when open enrollment is available to you.
Consider the coverage you need before you consider price.
It is natural to gravitate towards a healthcare option that offers a lower monthly rate. However, many insured people find themselves paying more than expected out-of-pocket each year because they didn’t consider the actual coverage they were signing up for. A few things to consider when looking at the coverage options:
- Does this plan include your loved one’s current neighborhood doctor?
- Do they have any pre-existing conditions that would require specialized attention?
- What is a realistic deductible for you and your family?
- How frequently does your family member(s) need emergency care?
- Is the medication they take consistently covered by this plan?
- Are you willing to pay more upfront to save later? Or vice versa?
When trying to pick a healthcare plan, there’s much to consider, but those are just a few questions to ask yourself when considering signing up for a plan. If the monthly price is a deterrent for the coverage you need, consider looking at your budget and seeing if there’s any wiggle room in line items like grocery shopping.
There is also a multitude of options for Seniors who qualify for Medicare. More plans are available than ever to those eligible for Medicare that can cover costs like out-of-pocket payments, medications, and much more. To learn more about Medicare and whether your loved one qualifies, check out the program website or join Amicus at one of their in-person Medicare 101 sessions. Here you’ll have the opportunity to talk to a licensed agent that can help Seniors know how the Medicare program works, how to get the most out of it, or get help with ACCESS for additional access to government benefits. Click here to learn more about ACCESS
Healthcare plans are unique, and so is your family.
Ultimately, the right healthcare plan for you will be there to help you accomplish your health goals and make you feel comfortable leaving your family in their care. To ensure you have the utmost trust in your South Florida provider, do your homework. Did you know that you can check reviews online for potential providers? This is an easy way to look into the type of care and attention your family will receive under their care. At Amicus, we offer a wide range of services under one roof that prioritizes your specific needs, which shows in our patient satisfaction rating.
Many may not think to consider your provider’s ability to communicate efficiently with your family and their caregiving, if necessary. Amicus has 18 locations throughout South Florida, covering Broward, Palm Beach, and Martin counties, full of health professionals who speak English, Spanish, Creole, and many other languages. As a result, you never have to worry about your family receiving the best care possible.
At Amicus, we encourage each patient to take their health into their own hands, and that starts with making sure you have just the right coverage you need. Follow us on Facebook for more healthcare information and tips.