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6 tips to choose an adequate health plan

Regina Jacobsen, December 30, 2020

Selecting a health plan among all the programs available on the market is a decision that involves evaluating several variables. Aspects such as the price of the plan, pre-existence, age and family planning, among others, are relevant when choosing the right Isapre plan for each one, and deserve to be carefully analyzed Medical Billing Practices.

With that in mind, here are 6 main tips to correctly choose a health plan in an Isapre:

1. Define budget
Establishing how much of the monthly salaries can be used to pay the health insurance is one of the most relevant guidelines when choosing a health plan. 7% is the minimum required by law, but considering purchasing plans that are more expensive than that is a good measure for those who require more extensive coverage in some areas.

2. Define needs to satisfy
The offer of health plans is enormous, and each one has different characteristics and coverage, so it is important to define priorities regarding the procedures and treatments that you want to cover if you want to simplify the decision. Maternity or cancer coverage? Outpatient treatments or hospitalizations? The answers to questions like these depend on the orientation of the search for the ideal plan for each one.

3. Choose preferred providers
Selecting the preferred hospital sites, whether due to their location, specialized infrastructure or medical equipment, is a good strategy to filter the search for the ideal health plans and Isapres. It is important to remember that each clinic and hospital has its strengths and weaknesses, and that analysis of this is essential to take the program that best suits the needs of the beneficiary.

4. Have clear family planning
According to statistics from the Health Superintendence, women can pay up to 66% more for Isapres than men of the same age, a fact largely attributable to maternity coverage. Having a clearly projected family planning can solve several aspects, since it makes it easier to contract health plans according to those projections. For example, a woman who does not plan to have children can change her current plan to one with less maternity coverage, making her plan cheaper.

5. Choose an Isapre according to preexistence
Having minor preexistence is not an impediment to entering an Isapre, and in that sense the call is to find out the institutions that have more flexible medical controllers in the criteria for admission to their health programs.

6. Find out about supplemental insurance
It is usual for employers, banks, and insurers to offer complementary health insurance, which, when used properly, can be useful when it comes to reducing costs in an Isapre plan. Services not offered by the most affordable health programs can be found in some supplemental insurance, and combining these mechanisms is a good option to expand coverage.

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