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?
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!
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
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.
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