Deductible Medical Insurance
May 18th, 2011
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Question: Am I in charge of paying for my deductible before insurance will cover?
My deductible is 850 bucks for medical insurance and its 195 a month that I have to pay… so does that mean I have to pay 195/month PLUS whatever my medical bills come up to until I have paid the full 850? If that is so, it seems a little impossible to ever get past my deductible in a year, unless something horrible happens, right? The other option is 268/ mo with a 400 deduct. Mind this is me and my son.
Answer: Why would you want to pay $876 more over the course of the year in order to only lower your deductible by $800 ($400 each)? I will gladly give you $800 in exchange for $876 as many times as you’d like.
As far as the something horrible goes….$850 is a pretty easy hurdle to get to. One emergency room visit would do it.
Don’t look at insurance as something you may not use because the deductible is high. Look at insurance for what it covers on the other side of the deductible. Health insurance is protecting your assets and it’s doing that whether or not you get sick.
It’s like guardrails on a bridge. I personally have never hit the guardrails, but I’m always glad they’re there.
Items on Amazon Right Now for Deductible Medical Insurance:
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The Basics Of Medical Billing $27.00 This no nonsense book tells you all you need to know to understand medical billing. Written by a mother/daughter team who have been running a medical billing service since 1994 it contains the facts without the fluff. Revised in June 2010 to almost double the content. It contains information about primary, secondary and tertiary claims, participation with insurance carriers, indemnity, hmos, ppos,… |
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STOP Buying Health Plans and START Buying Health Insurance!: An Easy-To-Understand Guide to the How and Why of Consumer Directed Healthcare (HSAs, HRAs and Deductible-First Medical Insurance) $9.56 We are all excellent consumers. We collectively have no problem clearly identifying what we want, how we want it and when the price is right. We make our educated presence known in almost every marketplace except one healthcare. Managed care and its first dollar benefits have created a problem and the solution is consumer directed healthcare. We can fix our system of healthcare and your secon… |
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Impact of Type of Insurance Plan on Access and Utilization of Health Care Services for Adults Aged 18-64 Years With Private Health Insurance: United States, 2007-2008 $1.99 National attention to consumer-directed health care has increased following the enactment of the Medicare Prescription Drug Improvement and Modernization Act of 2003 (P.L. 108-173), which established tax-advantaged health savings accounts (HSAs) (1). Enrollment in consumer-directed health care products has increased over the past several years (2). Consumer-directed health care may enable individu… |
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Health Insurance Deductibles and Coinsurances
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