Health insurance high deductible

Common Questions and Answers about Health insurance high deductible


Avatar f tn What health insurance coverage/plan do you have? How much do you pay deductible and premium? Im so confuse about that. I'm 35 and planning family soon, but I'm so confused about this. thank ;you Just trying to get an idea.
Avatar m tn Looking at health insurance for the first time... I'm seeing $5000 deductibles at the cheapest for $100 a month. Does this mean I pay every bill up to $5000 before insurance kicks in? Seems like they don't really cover anything except horrible accidents or diseases that might bankrupt me. Is this really just bankruptcy insurance for the horribly afflicted?
Avatar f tn I would suggest talking to your local health department or family services to see what suggestions they may have for your state. Also, see if there is a birth center near you. I know our local BC has options for families with no insurance. The total out of pocket to deliver there and be seen throughout the pregnancy is about $4500 compared to 3x that amount about the hospital.
Avatar m tn I am so far a healthy 43 year old/m in pa. I am trying to decide which health insurance plan will be good for my situation and I am looking for some opinions here. This Month my group plan ends and I can take cobra but there is no financial benefit to taking my same PPO plan which gives me to price break for being unemployed. So I am trying to look at this at a meaningful way. Since my PPO was $475/m plue $29 dental I just cant be paying that on my own now.
Avatar m tn hello, i don't know if this is the right place to ask this question but i am applying for health insurance and i had questions about the 'annual deductible'. Is this something i have to pay before i get coverage? or how does this work out? It's a temporary health plan by the way (6 months) with Blue Cross Blue Shield of Texas. So Could anyone possibly explain this deductible to me please?
Avatar n tn So with HSA eligible health plans, almost always one has to meet one’s deductible (meaning they have to pay for their services out of their pocket) before the carrier starts paying for any services. Now those with health issues are more likely to need/use services & it is certain that they will be required to pay their deductible.
Avatar n tn m trying to decide on a high deductible plan vs. a low deductible plan. In my opinion, the BEST thing about health insurance is that when you get a $4000 bill from the doctor, they turn around a say "no, that procedure is really only worth $2000, so here is your money, have a nice day." And the doctor or hospital usually accepts it. Sooo....
Avatar m tn First off...I feel this topic is absolutely relevant. Health insurance is a concern to all and I think we all can benefit from the ideas brought out from this thread. HCV treatment costs (whether treating with meds or not) are horrendous and can financially ruin anyone without the right insurance coverage. Ok...Willy: My opinion is that I would stay with what you have and carefully tweek the deductible if you have to.
Avatar f tn I was interested in seeing how many of us have health insurance vs no health insurance.
Avatar n tn Dear jack1122, Dear jack1122, With your pr-existing condition you should contact the Illinois Comprehensive Health Insurance Plan which is guaranteed issue which means you can not be declined due to your pre-ex condition. You can browse their website @ and use their “EXPLORE THE CHIP WEBSITE” tool (especially look for the premium calculator under UTILITIES) and call them at Toll Free 866-851-2751 or 217-782-6333 if you have any questions.
Avatar f tn Yes you do, here in the UK we have the nhs so we don't have to pay, but other countries like US don't have nhs they have health insurance instead so, like with our car insurance, if u don't have insurance or ur insurance doesn't cover it then u have to pay
Avatar f tn Is if nyboby is using private insurance and Medicaid at the same time.... My insurance deductible is so high that I can afford it so I went and applies for Medicaid and guess whatThank God got approved now my ? Is do I use both or just Medicaid any experience in this topic ladies......
649848 tn?1534633700 JOHNSON CHICAGO (AP) - As a key enrollment deadline hits Monday, many people without health insurance have been sizing up policies on the new government health care marketplace and making what seems like a logical choice: They're picking the cheapest one. Increasingly, experts in health insurance are becoming concerned that many of these first-time buyers will be in for a shock when they get medical care next year and discover they're on the hook for most of the initial cost.
Avatar n tn Since when has prenatal care not been preventative care? My new insurance will not pay for anything until my huge deductible is met. All my prenatal visits wont add up to it and i am due in the new year. So technically I will have to pay double deductible for this one pregnancy. I hate Obama and his not care. I will not be going for anymore doctors appoinments, we simply can't afford it.
798555 tn?1292787551 As modern western medicine is slowly becoming corrupt by greed and control over actual health, I believe it is about to change, and I'm not talking about the US 'health overhaul" , (another joke!). Most economical 'bubbles' eventually fail after their highest peak. Sometime failure is good, its a restart. Our heath system is failing. Its no longer affordable, inaccurate Dxing is the commonplace, greed has taken over.
Avatar f tn The bill came in today and it was $9.50. Neither of my plans have a deductible and i receive my insurance through work.
Avatar m tn Starting October 1, 2013 all states are scheduled to open an online Health Insurance Marketplace where you will be able to compare individual health insurance plans side by side. Depending on what state you live in, information on plans and premium rates may already to be available to you. Four plan types will be offered through the state exchanges (Platinum, Gold, Silver, and Bronze).
11294269 tn?1422402907 Something has got to give. Its just too much. The one job i cannot stand is the one that offers health insurance. I am planning to leave this job. As a single woman(i plan on getting married in the coming months), what are my options for health insurance? Im nervous and so unbelievably stressed. This whole "Affordable Healthcare Act" isn't very affordable. I went to the website and for about $400/month I have to pay a $3000 deductible and get 50% coverage.
585414 tn?1288941302 We had no health insurance that last 3 1/2 years until this summer. We couldn't afford to purchase it and still send my son to preschool. Now we have a high deductible family plan that covers one yearly check up for each of us. Everything else goes against our deductible and we just get the insurance discount. So my last little procedure should have gone against the deductible I thought, but apparently I haven't had the insurance lone enough so it's not covered at all.
290867 tn?1333569278 Something I learned from our insurance agent is that if you currently have health ins. MOST ins companies will pick you up if you choose to go with them. We were worried about not being able to switch because of pre-existing conditions, but she said we don't have to worry about that.
Avatar n tn That depends on what ur deductible is & type of insurance. Say u have a insurance that has a $2500 deductible but it's required ( this is the new thing, my company offered this, this year) before any benefits kick in. The deductible needs to be paid up front, with office visit's, prescriptions & such before any of the insurance actually kicks in. I'd call ur insurance company tomorrow for sure!
Avatar f tn Yes, if your insurance deductible renews before then or even while you are in the hospital
Avatar f tn I have blue cross blue Shield of Texas and Medicaid as secondary insurance the question is what does medicaid covers does it covers my deductible?? I have the texas childrens health plan.....
4806014 tn?1424501878 Starting January 1, 2014, health insurance plans can't refuse to cover you or charge you more just because you have a pre-existing health condition due to the passage of the The Affordable Care Act in 2010, otherwise known as Obama care. This is something we patient advocates have all fought for. Kaiser has a contract with UC and here at UCSF we perform Kaiser patients liver transplants on a routine basis.
1284791 tn?1271994267 As far as I know, IVF is offered only thorugh group insurance coverage. We delayed seeking fertility treatment in order to get our insurance worked out first. My husband and I formed our own husband/wife group (he owns his own business, I went to work for him, he pays employee taxes on me). Our accountant helpd us with the paperwork. After we set all of this up we applied for group coverage. We did this in order to get maternity coverage, which is otherwise unavailble in Texas.