How to choose an affordable health plan in 5 steps

How to choose an affordable health plan in 5 steps

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You have probably heard thousands of times out there that “health doesn't wait”. But is it possible to choose an affordable health plan?

Not all companies offer a plan. Even the recipient of the benefit is concerned about how to keep it in the face of the threat of unemployment. Some believe that it is not worth it, because the monthly costs would be too high.

Therefore, the most common is that people resort to the precarious public health system, waiting months for care. When they can, they end up opting for private service, which does not come cheap.

But is it possible to have a health plan without compromising the monthly bills?

In this post, we'll show you:

  • How to know if it is worthwhile or not to hire a plan;
  • How to choose the one that best fits your situation;
  • Alternatives for those who really can't afford a plan.

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Is it worth having a health plan?

Have you been researching a health plan or do you think it is too expensive for your reality?

Factors such as SUS overcrowding, periodic readjustments and advancing population age contribute to the increase in plan prices. However, since last year the situation has gotten even worse for the worker's pocket, due to the socioeconomic effects of the pandemic.

The reality is that maintaining a health plan has become even more suffocating. But yes, it is possible to work around the problem!

First, you must assess your age and physical condition. If you do not undergo any type of treatment and go to the doctor only for routine examinations, your most basic health plan should be your priority.

Why choose health insurance?

Oh, I prefer to save it in savings and keep it reserved for an emergency!

It is an alternative, but risky. We are all subject to life's unforeseen events, aren't we? A more serious accident or illness can consume all your reserves, not be enough and still generate a debt in the bank!

So why not invest in this type of insurance? After all, the health plan it serves to protect you precisely from the unforeseen.

Tranquility is priceless. So, if you are able to pay, know that the investment will be worth it.

If you are unable, study your budget again. Is there no expense that can be cut or reduced? Where can you save? What are your top priorities at the moment?

In addition, it is also possible to follow our 5 tips to find a quality and affordable health plan. Keep following!

How to find a plan that fits in your pocket?

First of all, do the calculations yourself. Simulate how much you would pay for consultations, exams and individual admissions in the period of 1 year. Calculate how much you would spend on routine exams and consultations.

You will probably realize that it is more worthwhile to pay a monthly fee. The secret is to do good research and understand what your main needs are. For example:

  • Do you want to be served in your city or is it worth the whole country? ;
  • Do you use any specialties more than the others? ;
  • Is the plan just for you or does it cover the whole family ?;
  • Does your company offer some kind of assistance, even if it is not a health plan?

After reviewing all of this, follow the tips below!

1. Look for less conventional alternatives

Recently, many startups came up with the proposal to offer medical care at a popular price. The new companies focus on more direct contact between patient and doctor, reducing bureaucracy and waiting time.

There are cases in which the monthly fee starts from R $ 20.00. Subscription generates benefits such as exam and consultation discounts, in addition to the possibility of a refund.

Most of these options do not offer insurance for complex cases or hospitalizations. However, this can be an interesting option for those who are younger and do not suffer from chronic health problems.

2. Understand how repayment and grace period works

These items are essential when analyzing the quality of the plan!

Is the refund process easy or bureaucratic?

Is the refund amount consistent with the prices in your region?

Keep an eye on the grace period to avoid being harmed. ANS (National Health Agency) determines the maximum period for you to wait after hiring. In urgent cases, it must be up to 24 hours.

3. Search the entire coverage network

The coverage network refers to all hospitals and institutions that you will be able to attend when hiring a plan.

Therefore, one must consider what are the list hospitals, their locations and even turnover (if the plan often replaces the accredited network).

Also, don't forget to look at other people's ratings. What are people saying? How is the complaints rate? What is the main complaint of those who use the plan?

Find out well about the main coverage segments in each plan. The plan options are:

  • Outpatient (covers only consultations, exams and therapies);
  • Hospital (covers hospitalizations and can be with or without obstetrics, which is the right to delivery);
  • Dental;
  • Reference (it covers all of the above, but it is also the most expensive).

4. Know what your rights are

Have you heard of Pco-participative wool? In it, the company charges a percentage of the value of the plan in the payroll of its employees. Altogether, the monthly fee ends up being cheaper for the organization.

What if the worker retired or was fired without cause?

ANS determines that, in this specific case of co-participation, the company must continue with the health plan. But this is only for some situations. See if this is your case:

  • if the employee paid at least 50% of the monthly fees;
  • if the employee has not recently been hired in a new job that already offers assistance;
  • if the employee formalizes within 30 days (from prior notice) the desire to remain included in the company plan.

5. Study the possibilities of hiring

There are basically 3 types of plan: individual or family, collective by adhesion or corporate collective.

Generally, collective plans come out with a lower price compared to the plans you have contracted. Therefore, it is worth keeping an eye on the vacancies that offer health insurance.

If the company you work for does not offer a plan, or you are unemployed, there is an alternative. It is possible to hire a business plan through MEI, which is the Individual Microentrepreneur. In this case, it is necessary to open a company and have a CNPJ.

Finally, a extra tip!

They exist sites that make your life easier and simulate the prices of the main health plans. They take into account the category of the plan (whether individual, family or business) and the age group of the contractor.

Choosing a more affordable health plan is possible, as long as you research all the options on the market very well. Furthermore, self-assessment is essential! You have to be realistic to identify what you really need at the moment and what are your financial possibilities.

Even if you don't hire any health plan, you can look for alternatives In this post, we show some of them so you don't get hurt! After all, health must be ever our priority.

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