WHAT ARE HEALTH CARE PLANS

Healthcare cash plans is a fee you pay a percentage of money that goes towards any medical bills you have such as medical and dental expenses you may have. Each month you pay a certain amount of money for example you might  pay £10 a month that goes to a savings of £200 to cover any dental or medical bills you have over the year. 

However health insurance is different to health care as some people see them as the same thing, health insurance covers and operations or treatments you may need after you take out the plan, the health cash plan is something on going and you can keep adding money to it.

Another difference is health insurance is sometimes to pay for private hospitals or dental treatment that are used alongside the NHS, however health care plans should fund your expenses such as child birth, Physiotherapy, chiropody, osteopathy and eye tests.

Are health cash plans worth it:

If your a person who will claim more out of your healthcare cash plans then you pay towards it then it is a good idea to get one, however if your someone who doesn’t get ill that often or don’t require much dental expenses or medical treatments for that year then all your monthly payments can end up  being more than you’ve claimed back. For a lot of people the NHS is very affordable but for some it can be difficult and for that you can claim exemption certificate. If you think healthcare plans benefit you then make sure to get one that will cover all your needs and requirements. 

Are there alternatives

If you feel you don’t need healthcare plans you could make an account for savings and fill it up with all the money you would put into the plan and save up for something instead of spending it on something you don’t need or want use so then if you ever need some extra money for something you have it or if you need to pay of a debt it can help you out. 

It could also be useful to have some spare money for emergencies, even if you are very healthy something could happen and you might need it. So if the worse was to happen you would have some money to get some help if you don’t have a health care plan. 

Also If you are struggling to afford NHS, you can ask at the pharmacy, opticians or dentist for the form to fill out to apply for an HC2 certificate. This can provide you with:

  • free NHS prescriptions
  • free NHS dental treatment
  • free NHS sight tests
  • help with the cost of glasses or contact lenses
  • help with the cost of travelling to receive NHS treatment
  • free NHS wigs and fabric support

This will provide you with any requirements to help you out if you are struggling, this will also provide you with any physical thing you may need such as wigs,glasses or fabric support. 

What are the best health plans:

There are many different health care plans and benefits, the best ones would be with the lowest monthly payments and the largest amount of cover-ments you might need for your medical situations. However the best healthcare plans are whatever fits you the best for cost and coverage. 

Another way you can minimise healthcare plans’ cost is to work out an average cost of what you spend on your medical bills. You should then get a few different quotes from different companies and work out which one suits you the most, sort out the prices and coverage of each plan to see which fits you best. 

How does a health cash plan work:

To claim back your money on your healthcare plans, it’s important that you keep absolutely any paperwork you have and make sure to send it to the company that has hold of your health care plans. However you should bear in mind the amount of money you get back from them will depend on the terms and conditions of their policies so it’s vital that you read their policy before sorting out a health plan with them so you know how much money to expect of them. 

Although you need to consider that some plans will cover 100% with a limit and others up to 50% and anything after that. However if you don’t use your allowance within 12 months of the policy, any money that is in your plan will disappear and you cannot use it. So it is advised that any money you have left in it by the end of the year use it to book up appointments with the most you have left as it will go after the 12 months is over.