There are a lot of health care insurance nowadays with thousands of healthcare insurance companies scattered around the world. Individuals and organizations are slowly starting to appreciate their importance in today’s practical yet expensive lifestyle and health demands. If you are a person living with cancer or a survivor or with any other critical ailment, it is important to make sure that the health insurance plan you choose covers the prescription drugs you mostly need.

Westhill Insurance Consulting gives out warnings on the spread of fraudulent insurance that are emerging targeting the need of cancer patients for insurance. Reports have already been shown in the developing city of Jakarta, Indonesia and Mumbai, India. Here are the tips that we must remember when we avail of critical health insurance for critical health ailment:

All new health insurance plans must provide a benefit package that includes prescription drugs, but the actual drugs that are covered will vary by plan. As you think about the kind of health insurance coverage you or a family member needs, look carefully at the kind of prescription drug coverage the plan offers to make sure the drugs you take will be covered. Because many cancer drugs can be extremely expensive, so making sure that your plan covers the specific drugs you take may save money.           

Things You Need to Consider

o             Medications You Take:  The first step is to make a list of all of the prescription medications you currently are taking, including pain medication and anti-nausea drugs. You will need this information to be able to compare the coverage offered by different insurance plans.

o             Drug Formularies: Most insurance plans have a formulary – a list of the drugs the plan covers. Check the formulary of each insurance plan you are considering to make sure that it includes the medications you are taking. You can find out your plan’s formulary by checking their web site or calling the plan directly. Agents can also help you determine which health plan to choose.

o             Cost Sharing: You will want to carefully compare the cost sharing different plans charge you when you fill a prescription drug. Some plans charge co-pay, which is a flat rate the patient pays per prescription. Other plans charge a coinsurance, a percent of the total cost of the drug owed by the patient. For cancer drugs, coinsurance will almost always be more expensive than co-pay.

Many of us have to rely on the company’s health care insurance provider. Lucky for those people who can stay in one job for years. How about those people who jumps from one venture to the other? Westhill Insurance Consulting has faced queries on the best alternative whenever unemployment comes near. Private health insurance is the main source of health coverage for the majority of people in the United States alone. For elderly citizens and eligible children and families from low-income households, public programs are the primary source of health cover.

If you are not covered by a publicly funded program, or if your coverage is only partial, you will need to have some kind of private health insurance. In developing cities like Tokyo, Japan, Seoul, South Korea, Jakarta, Indonesia and Singapore, millions of people have found themselves with no health cover at all. Reviews show that uninsured people reaches up to 46 million. Tens of millions more have inadequate insurance.

Best ways to find the best suitable private insurance for you are:

• One plan or separate plans - adding a spouse or offspring to a plan may be ideal, but not always so. In some cases, shoppers may find better deals by checking what is around first. It is important to balance to benefits offered against the amount that has to be paid out in premiums, in every case.

• Is your doctor included? - if you are considering an interesting plan, make sure your doctor or clinic is listed in their network of healthcare professionals. Otherwise, you may either have to change doctors, or pay out-of-pocket for the one you prefer.

• Only choose relevant options - do not choose a plan with options you do not need, in order to keep your premium costs to a minimum. If the purchaser or spouse is a female over 45, it is unlikely maternity coverage is a top priority. Even prescription plan coverage most likely will not cover all drugs, especially the newer, more expensive ones.

• Big premiums today, or in the future? - if you have little disposable income and enjoy good health, you might find it more convenient to opt for a high-deductible plan to start with, that has progressively lower monthly premiums with the passing of time. If your health care requirements are high now, a low-deductible plan to start with may be a better choice.

With the widespread of insurance nowadays, people are confused which one is legit and which one is a fraud; which can offer better and which one cost less. Choosing the right health coverage has never been easy, and the health reform law has made things more complicated. Besides sorting through differences in premiums, deductibles, and copayments, you need to consider new provisions in the law that have recently kicked in and could impact your coverage for the coming year. Westhill Insurance Consulting can help you clear away any confusion, doubts and complaints.

Health insurance should cover any medical need you may have, now or in the future.

Buying insurance on your own used to be riskier because many plans didn’t cover important things such as prescription drugs or mental health care. Every kind of health insurance must now cover preventive care, with no deductibles, co-pays, or other types of out-of-pocket expenses. That includes Pap and cholesterol tests, mammograms, immunizations, and colonoscopies when age- and condition-appropriate.

But even though you no longer have to worry about your basic health care needs being covered, you’ll still have to navigate lots of other confusing choices. That’s true even if you get coverage through a job, because more than half of workers have a choice of two or more types of health plans.

1. Do you want to pay for care now or later?

All health plans have to come up with enough money to pay for the medical expenses of their members.

You can choose to collect most of the money up front in the form of premiums. If you have a high premium, you’ll pay a smaller share out of your own pocket, in the form of deductibles, co-insurance, and co-pays. Or plans can go the other way, charging smaller premiums but asking you to pay a bigger share on your own.

2. Are you OK with a small network of docs?

Doctors and hospitals accept lower fees from insurers if they know they’ll be part of a small, or “narrow,” network, because that guarantees them a bigger share of the plan’s business. There’s no evidence that you’ll get worse care in narrow networks. And they can save you about 20 percent over larger networks. But make sure that the plan has enough choice of doctors and hospitals in your area—a particular consideration if you live in a rural area. In Singapore and Jakarta, Indonesia and other developing nation, seldom can you choose this kind of benefit. You might as well review and check with your insurance provider for assurance.