Anybody really get the drift vigour insurance?

Ok, i am going to be purchasing health insurance for the first time, im 20, my spouse is 22. This is what im looking for

Neither of us have be to a doctor in a few years, he is healthy and will involve a yearly check up. Me on other hand, i've have a dull pain in my lower right stomach that noone know about in the hosptial/doctor world, and i have need of to get it checked out, would this be considered a preexisting health problem? i figure i could go in to a doctor a month or two after insurance and read out im having a little twinge on my side, and also i need a gyno appointment which those are usually covered. Do you think i should retribution less a month for a huge deductible or a small deductible incase something serious is wrong w/ my stomach? its been approaching this however for 3-5 years so im sure its nothing serious, may even be a hernia or something, but i need some suggestion. Thanks alot.
Answers:
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