Interacting with healthcare providers can be a stressful experience; you may be worried about your or your family’s health ailment, or have concerns over your healthcare insurance plan. To try to minimize your anxiety when approaching a new practitioner or health intervention, such as an operation or new prescription medication, and consider the points below and gain greater peace of mind. Before committing to anything, make sure that you are choosing the best healthcare provider and plan for you and your family.
Finding the right healthcare provider for you
Never feel pressured to go with the first MD you meet. Do your research and find a healthcare provider who has a philosophy that chimes with your own. For example, if you are pregnant and considering a midwife-led natural home birth then finding a provider who will support and respect your choice is vital. Make sure they have the required qualifications and are ‘board-certified’ in the specialist area you need, meaning they have undergone advanced training in that specific area. Ask if your physician’s practice uses Insight Medical Partners to tap into ancillary products and services while still putting patient care at the top of its priorities. If you are considering a procedure then before you sign off on a provider make sure you research their experience, for example asking how many of these exact procedures they have already undertaken. Researching all you can about your provider means you can be safe in the knowledge you are choosing the best option for you and your family’s health.
When approaching medical tests
If you have been advised to undertake medical tests, you need to consider putting these questions to your healthcare provider before agreeing. Ask what the risks are, what the exact procedure is, whether the results will alter the treatment already you are already receiving, and what the chances of an inaccurate result are. Also ask if the test is truly necessary before you agree to it, as some tests may not be necessary and may simply bump up your medical bill. If the test results will change an element of your care or give valuable new knowledge, then go for it. However, seemingly routine tests that are simply done to be sure that nothing is wrong can add up in terms of money, as well as exposing you to greater and unnecessary risks.
Choosing the best insurance for you and your family
Firstly, before settling on an insurance plan, compare the types available and check out their summary of benefits. Doing this will determine the costs you will pay and what will be covered by the insurance policy. Choosing a Health Maintenance Organization plan (HMO) or a Point of Service Plan (POS) will require a referral before seeing a specialist. So, if you would rather be able to access a specialist without going through your primary care physician, then an Exclusive Provider Organization (EPO) or Preferred Provider Organization (PPO) plan may be better suited to your needs. Look at the federal healthcare insurance marketplace to assess your choices. It is also important to be aware of all out-of-pocket costs are before signing up, and the general rule is the lower you pay in premiums, the higher your out-of-pocket costs will be should you need frequent care.