by Sabrina Salas Matanane

Guam - With more than 200 members on its roster, the Guam Medical Association is the island's largest healthcare provider network. According to a media release patients rely on the GMA for guidance as they often ask questions regarding their health insurance. Following last week's forum on health insurance the GMA issued an endorsement of three local insurance companies. According to the Guam Medical Association Staywell, Calvo's Selectcare and Netcare Health Insurance meet the standards of patient's choice of providers and credentialing; prompt payment of claims; and providers' relations. The GMA is asking the public to consider these three insurance companies as they discuss their choices for health insurance coverage. Currently open enrollment is underway in the government of Guam. The Guam Medical Association did not endorse Takecare Insurance.

The GMA also advises that health care plans should not only provide comprehensive coverage but also ensure patients have their choice of health care providers. According to the GMA often the cheapest plan may not be the best plan for the money if your choices of providers and clinics are restricted. Additionally, the prompt payment of your medical claims is an important aspect to consider because you do not want to be responsible for claims which your insurance have failed to pay promptly. Lastly, relationship between your insurance company and your health care providers/clinics is another important factor. The patient- doctor-relationship is a bond to which there should be no interference by a third party.