Why you should have a High Deductible Health Insurance?


Some clients, when reviewing private insurance options, look for low deductibles. Private medicine in Cuenca for medical check-ups, general medical consultations, laboratory tests are not too expensive. Having a low deductible significantly increases the value of the premium that many times does not make it worth it. That is why a better choice is maintain a higher deductible, and manage day-to-day illnesses such as flu, stomach infections, migraines, etc., out of pocket and use your insurance for higher costing medical issues.
Now I have an even greater reason to justify this. If you have or you are planning to purchase a private health insurance policy, deductibles of $1,000, $2,000 or $5,000 are not a bad choice. You will have coverage for any type of illness, whether catastrophic or not, that may affect your economy. The best part; the insurance premiums will be affordable.
Good news! There is a service for outpatient issues with excellent quality in the city.
This is the Center for Medical Specialties (CEM) that is part of the State University of Cuenca; one of the best universities in the country. CEM, is a non-profit university center, whose purpose is to provide OUTPATIENT medical care (NO HOSPITALIZATION), with professionalism from their professors. Thus, you will discover a safe place where you can be treated and find the outpatient care support you need for your health. CEM has a multidisciplinary team of medical specialists, professors from their Faculties of Health Sciences, who provide a service at a high level at affordable prices for the community.
The patients will find outpatient care support from 52 doctors, and care for 26 types of specialties such as: Cardiology, General Surgery, Endocrinology, Physiotherapy, Gastroenterology, Geriatrics and Gerontology, General Medicine, Psychiatry, Neurology, Pulmonology, etc. Laboratory tests: Blood Chemistry, Hormones, Feces, Urine. In addition, tests such as: Spirometry Electroencephalogram, Electrocardiogram Papanicolaou.
Low prices are paid for the services, which are intended for the constant improvement of medical facilities and services. It is very important to clarify that this center is for PRIMARY OUTPATIENT CARE. It means serious diseases and complications such as cancer, strokes, acute heart conditions; accidents, that requires hospitalization, must be treated in private hospitals that provide immediate care. If you need to know more info: https://cem.com.ec/
Thus, we have the perfect formula, excellent quality outpatient care at affordable prices, combined with a private health insurance policy for complex diseases that require higher expenses and hospitalization.

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Daniela Cordero


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