Low Deductible Insurance
July 21st, 2010
Question: Does any one know about any 0 Deductible Health insurance plan with low monthly payment?
State California
Answer: Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays or as you desire a 0 deductible your monthly premiums will be significant.
On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain Deductibles And Copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.
Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even “pitch” a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
Items on Amazon Right Now for Low Deductible Insurance:
News in brief
Here are a selection of brief news items from this week’s paper edition, and possibly a few news briefs that didn’t make it in the paper.
Health_Insurance_Costs_Part_2
Related posts
Posted in Insurance Tax Deductions | 
Tags: cheap, cost, deductible, health, insurance, low deductible insurance