Aa
MedHelp.org will cease operations on May 31, 2024. It has been our pleasure to join you on your health journey for the past 30 years. For more info, click here.
Aa
A
A
A
Close
Avatar universal

Annual Deductible??????

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?
3 Responses
Sort by: Helpful Oldest Newest
Avatar universal
Hello! If you are having ab pains/discomforts before applying for an insurance plan, it is a possibility that the insurance company will either exclude covering your ab problems or charge you more. you see, insurance does not work the way that you find there is a problem so you pay a small amount of premium and so you get huge benefits.
Helpful - 0
Avatar universal
ok and one more question, i am having abdominal pains/discomforts. this has been going on for about three weeks but i don't know what to do because i do not have health insurance. if i buy this short term coverage will i have to pay the full deductible before i can go see a doctor to tell me what's wrong with me? thank you
Helpful - 0
282113 tn?1388159749
MEDICAL PROFESSIONAL
Dear jaime310,

Generally speaking, a health plan consists of a number benefits such as office visit, lab work, medications, etc. Some may be subject to a deductible & co-insurance (the portion of t he bills covered after deductible) and others at a flat co-pay; but with most short term plans, you will have to pay for all covered benefits until your deductible is met. Before meeting your deductible, you will be entitled to pre-negotiated, discounted rates on all covered benefits, if you use a contracted provider. So the short answer is yes!

Sincerely,

Amir Mostafaie
Helpful - 0

You are reading content posted in the Health Insurance Forum

Popular Resources
Discharge often isn't normal, and could mean an infection or an STD.
In this unique and fascinating report from Missouri Medicine, world-renowned expert Dr. Raymond Moody examines what really happens when we almost die.
Think a loved one may be experiencing hearing loss? Here are five warning signs to watch for.
When it comes to your health, timing is everything
We’ve got a crash course on metabolism basics.
Learn what you can do to avoid ski injury and other common winter sports injury.