Im trying to gain strength insurance and obligation some back.?
Here it goes...I want health insurance that when I step to the DR I pay like a $10 or 20 copay, nil else. Also a copay on prescriptions. I dont want to have to be reinbursed or anything. I notice a bunch of companies that hold like a $500 deductiable. What does that mean? Can anyone relief me please?
Answers:
How much are you willing to spend a month on premiums? It is going to cost you a bloody fortune to get a policy close to that as an individual.
I pay $250 a month per employee for 5 team and our copays are $30 for docs/$10 & $40 for perscriptions and we have a $3000 deductible.
The deductible applies for anything other than doctors visit and prescriptions. So if the doctor runs a test, you pay out of pocket until you hit your deductible. Sometimes the insurance pays NOTHING until you hit your deductible.
Good luck, our choices suck
If you have a $500 deductible that way your coverage starts after the insured (you) pays the first $500.00 then it goes into the co-insurance mode 90/10 -- 80/20 up to the max out of pocket per individual, which is typically 2X the deductible, sometimes 3X. After you achieve the max OOP then your plan respons at 100% for all incurred expenses. All of this as you would expect is if you use doctors in the network. Co-pays for PCP's are 1st dollar coverage, some apply to ded, most do not. Drug cards are usually a co-pay beside 3 tiers, generic, formulary, non-formulary. One last thing on OOP, some deductibles are fixed in the max OOP, some are not. Ask your agent. There are many option to save money in the industry today, and believe it or not condition insurance is a very soft market right very soon.
You're not going to get a copay that low, except through a group policy. Normally it's $25 these days.
Deductible mode, you have to pay the first $500 of services, previously insurance kicks in. It scheme, the first 3-4 doctor visits a year aren't covered. Source(s): agent, 21+ years
you are better stale getting a discount plan and opening up a health money account. That way you're not paying soaring premiums and high deductables and certain procedures your insurance company doesn't cover. Atleast next to a discount plan every procedure, you'll receive savings and you're not paying $500 a month for a what if factor. All insurance companies do is what they think we can't do. And thats hold your monthly premium and put it in a bank vindication and let it draw interest. Then whenever you need to use the insurance, they verbs from that account. So why would u pay a company $500 a month to do that when you can do it yourself. Open a condition saving account and draw from a Consumer Driven Health Plan. Source(s): http://www.dentalmedicalplus.com
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Answers:
How much are you willing to spend a month on premiums? It is going to cost you a bloody fortune to get a policy close to that as an individual.
I pay $250 a month per employee for 5 team and our copays are $30 for docs/$10 & $40 for perscriptions and we have a $3000 deductible.
The deductible applies for anything other than doctors visit and prescriptions. So if the doctor runs a test, you pay out of pocket until you hit your deductible. Sometimes the insurance pays NOTHING until you hit your deductible.
Good luck, our choices suck
If you have a $500 deductible that way your coverage starts after the insured (you) pays the first $500.00 then it goes into the co-insurance mode 90/10 -- 80/20 up to the max out of pocket per individual, which is typically 2X the deductible, sometimes 3X. After you achieve the max OOP then your plan respons at 100% for all incurred expenses. All of this as you would expect is if you use doctors in the network. Co-pays for PCP's are 1st dollar coverage, some apply to ded, most do not. Drug cards are usually a co-pay beside 3 tiers, generic, formulary, non-formulary. One last thing on OOP, some deductibles are fixed in the max OOP, some are not. Ask your agent. There are many option to save money in the industry today, and believe it or not condition insurance is a very soft market right very soon.
You're not going to get a copay that low, except through a group policy. Normally it's $25 these days.
Deductible mode, you have to pay the first $500 of services, previously insurance kicks in. It scheme, the first 3-4 doctor visits a year aren't covered. Source(s): agent, 21+ years
you are better stale getting a discount plan and opening up a health money account. That way you're not paying soaring premiums and high deductables and certain procedures your insurance company doesn't cover. Atleast next to a discount plan every procedure, you'll receive savings and you're not paying $500 a month for a what if factor. All insurance companies do is what they think we can't do. And thats hold your monthly premium and put it in a bank vindication and let it draw interest. Then whenever you need to use the insurance, they verbs from that account. So why would u pay a company $500 a month to do that when you can do it yourself. Open a condition saving account and draw from a Consumer Driven Health Plan. Source(s): http://www.dentalmedicalplus.com
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