Do you go to the medical center frequently? If so, you probably already know what a co-payment in health insurance is and why it is not the most appropriate option for those who, like you, visit the doctor regularly.
In these cases, it isundoubtedly much more cost-effective to take out health insurance without co-payments. Thus, you can access numerous medical services by paying a single fixed premium per month, without having to pay anything extra.
Although, among so many options available, you may be wondering which is the best health insurance with no co-payment, taking into account factors such as price and coverage.
In this PIB Group Iberia post we offer you different opinions about the best health insurance with no co-payments.
What to look for when buying health insurance with no co-payment?
Do you want to know how we have come to define the best options on the market? By analyzing them very well, since choosing the best health insurance with no co-payment involves considering several factors.
When it comes to taking out health insurance of this type, these are the elements you should always look for:
- Waiting period. The waiting period is the time that must elapse from the time you take out the insurance until you can access certain services or specific coverages. It is essential that you check the waiting periods, especially for important treatments or surgical interventions. This way you will avoid unpleasant surprises when you need to use your insurance. If you already have this type of insurance now, when you change companies, the waiting periods will be eliminated (be careful if you are pregnant!).
- Exclusions. Before you sign up for insurance, you should also consider which services or treatments are not covered. Some policies may exclude specific treatments, pre-existing conditions or certain types of assistance you may need.
- Medical staff. The company’s medical directory should include a good variety of recognized specialists and hospitals, ensuring that you can receive quality care close to your location. Therefore, it is always best to stick with the insurer that has the largest medical directory.
Is health insurance with co-payments or without co-payments better?
If you’ve come this far and you’re still asking yourself the big question Is health insurance with or without co-payment better?-we have to tell you that the answer is depends on the individual and his or her specific circumstances.
In general, we recommend that you analyze how many times you usually visit the doctor per year. As you can imagine, the price of a policy without co-payment is somewhat higher, because it includes the cost of many possible services.
Of course, it is a worthwhile investment for many people and can be very cost-effective if you visit medical specialists frequently.
This is the case, for example, for a family unit with several growing children, because they will have to visit the pediatrician a lot. Or it can also be very cost-effective for an insured person who requires some form of rehabilitation.
On the other hand, you may not want to pay more money per month if this is not the case for you. Instead of taking out this type of policy, choose a health insurance policy with a co-payment.
How to choose the best health insurance?
Whatever your situation, there is only one way to make sure you are choosing good health insurance with or without co-payments: trust in a professional brokerage firm.
PIB Group Iberia has many years of experience in this sector, that is why we look for the best price for your policy. Tell us what you need and we will provide you with the most appropriate option for you.
We work with numerous insurance companies, so we will always offer you different possibilities, as well as recommend the one that suits you best. Our goal is that you can count on an insurance with a wide coverage adapted to your specific needs.
So, if you are looking for health insurance in Zaragoza, remember that we are here for whatever you need!
