The medical charts of the insurers contain all the centers and professionals to which the insured can go.
All insurers have medical charts incorporated into their health insurance. The medical cadres comprise health centers, hospitals, and health professionals. Companies make these medical charts available to their customers.
The insured needs to know the medical chart of the insurer before contracting the policy. On the one hand, knowing the geographical location of hospitals, centers, and outpatient clinics is interesting for the client.
In addition, if the interested party wants to be treated in a specific center or by a doctor, he must see if these appear in the company’s medical chart.
Is it mandatory to stick to the company’s medical staff?
Usually, centers and professionals outside the company’s medical staff are away from the insured’s service. However, an agreement can be reached with the insurer to cover visits to professionals and centers that do not belong to the insurance.
One possibility is reimbursement insurance, which allows the insured to go to the center or professional of their choice, even outside the medical staff. Subsequently, the insurance cover’s part or all of the service. It all depends on the agreement reached with the company.
Companies often recommend reimbursement insurance for those clients who want to be treated outside the medical box. In no case does this type of insurance leave the insured exempt from the contracted services.
In this way, the person who decides to go to centers and professionals outside the medical staff will continue to enjoy the services offered by the company.
How to proceed to go to a professional outside the picture?
A specific procedure must be followed to go to a center or professional outside the company’s medical staff. First, the insured goes to the professional and pays the service cost in advance.
Subsequently, the insured must fill out a document requesting reimbursement of medical expenses and deliver it to his company.
From that moment, the insured must wait for the company’s response. Although, in most cases, 80% or 90% of the cost of the service is covered, the insurer could pay 100% of the price or less than 80%. It all depends on the conditions of the policy.
In the event that the insured wants to visit a doctor or center outside the box and is abroad, the process is similar.