Looking at health insurance for the first time... I'm seeing $5000 deductibles at the cheapest for $100 a month. Does this mean I pay every bill up to $5000 before insurance kicks in? Seems like they don't really cover anything except horrible accidents or diseases that might bankrupt me. Is this really just bankruptcy insurance for the horribly afflicted?
Plan deductibles don't necessary apply to every benefit of a plan; but depending on the plan structure, they could be. There are plans that cover your day to day doctor visit or medication for just a copay ($30-$40) but will require you to meet your deductible for procedures or hospital stays.
If this is your first time shopping go to a website like ehealthinsurance.com where you can shop, compare on your own and be able to talk to an experienced licensed agent to further narrow down your options.
The good news is, under HealthCare Reform, your yearly checkups are not going to be subject to a deductible and they should be covered in full.
Copyright 1994-2018MedHelp.All rights reserved. MedHelp is a division of Vitals Consumer Services, LLC.
The Content on this Site is presented in a summary fashion, and is intended to be used for educational and entertainment purposes only. It is not intended to be and should not be interpreted as medical advice or a diagnosis of any health or fitness problem, condition or disease; or a recommendation for a specific test, doctor, care provider, procedure, treatment plan, product, or course of action. MedHelp is not a medical or healthcare provider and your use of this Site does not create a doctor / patient relationship. We disclaim all responsibility for the professional qualifications and licensing of, and services provided by, any physician or other health providers posting on or otherwise referred to on this Site and/or any Third Party Site. Never disregard the medical advice of your physician or health professional, or delay in seeking such advice, because of something you read on this Site. We offer this Site AS IS and without any warranties. By using this Site you agree to the following Terms and Conditions. If you think you may have a medical emergency, call your physician or 911 immediately.