In a health insurance policy what does it mean about X amount $ for a deductible?
Posted on Jun 26, 2008 under Insurance Information |Also any suggestions on any other good yet affordable policies? I am looking at one from work $40 copay $800 deductible but I had better with a prior company. Also I would like dental,on this plan dental is extra at $18.The policy is Blue Cross Blue Shield of Alabama.
June 26th, 2008 at 6:40 am
$800 deductible means once a year you have to pay the first $800 in medical bills you accumulate. You also still have to pay the copay at time of visit. Your insurance won't pay anything until you have hit the $800. You may also want to see if you are responsible for any percentage of the charges even after the $800 deductible is met. Most plans only pay doctors a certain percentage of charges and the insured has to pay the remainder. This is referred to as coinsurance.
This may not be a bad plan depending on the monthly premium and if you are responsible for a percentage or not. I hope this helps
I don't have an answer for the 2nd question.
June 26th, 2008 at 6:40 am
I work for an insurance company and I must say…your BCBS policy through work sucks. A 800.00 ded through a work plan is awful. Maybe the x amount for $ deductible means the amount of money you have to pay before your insurance starts to pay out your benefits or , if I am not understanding your question correctly, you may can pay something different for a different ded amount. Many insurance companies offer free quotes on-line. Just look through a search engine for health insurance.
June 26th, 2008 at 6:40 am
It's sad to say, but a lot of employers in this country are going with the higher deductible plans because it is cheaper for them, more expensive for us. I had a $1,000 deductible for prenatal care and needless to say I switched to another company. Good luck finding a good insurance company with low deductibles.
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