Just found out my deductible at work for my out of network (my Dr is not in plan and he specializes in things I need) went from $300 to 2000. Yep, HUGE increase.

 

Anyone sell health insurance? The kind where I can pick and choose the types of coverage I need?

 

Thanks.

Just found out my deductible at work for my out of network (my Dr is not in plan and he specializes in things I need) went from $300 to 2000. Yep, HUGE increase.

 

Anyone sell health insurance? The kind where I can pick and choose the types of coverage I need?

 

Thanks.

 

Being a physician, I can tell you most insurance out-of-network deuctibles are approximately 1000-2000....If you talk to your doctor, they can sometimes they can work with you...

Being a physician, I can tell you most insurance out-of-network deuctibles are approximately 1000-2000....If you talk to your doctor, they can sometimes they can work with you...

 

 

Also, go to your HR person and insurance company and COMPLAIN LIKE HELLL......

Look into an HSA type plan if you're healthy and don't go to the doctor regularly. The deductibles are VERY high but they are offset by LOW premium payments. You get a tax savings as well. Not for everyone but it saves me about $8,000 in premium per year.

 

IMO, health insurance, like homeowners or auto insurance should be for catastrophic instances, not for minor illnesses.

I'de find a doctor in plan that specializes in the care you need. There has to be more than that one doctor that can treat what ailes you?

Yes. Call me.

I'de find a doctor in plan that specializes in the care you need. There has to be more than that one doctor that can treat what ailes you?

 

Not really.

Just found out my deductible at work for my out of network (my Dr is not in plan and he specializes in things I need) went from $300 to 2000. Yep, HUGE increase.

 

Anyone sell health insurance? The kind where I can pick and choose the types of coverage I need?

 

Thanks.

 

I think that any health insurance you buy on your own will be more than your $2000 deductible or come with its own $2000+ deductible.

I think that any health insurance you buy on your own will be more than your $2000 deductible or come with its own $2000+ deductible.

 

Not true.

Not true? You can get health insurance with a low deductible for less than $200 a month? What insurance is that?

I think I pay 450 every 3 months and I have probably one of the best insurances with one of the best plans but then again I'm spoiled because I'm under the age of 30, and I still live at home so I classify for a insurance program under my mom's insurance but its technically my own plan.

 

With all of my medical problems I'm sure my insurance company is wishing they didn't have me

$450 every 3 months is really cheap.

If this thread is around the next time I get the automated receipt for my bill in the mail I'll post it for you guys. I have Horizon Blue Cross Blue Shield, while they do do stupid things sometimes like denying me coverage for an MRI that I had prior approval from them in the first place a quick phone call got it straightened out but besides that they have been a pleasure to deal with. They almost never deny a claim for anything my doctors want to do. The big one will be if I end up having to go for back surgery if they start trying to play games with me but only time will tell so far they have been great.

 

M

Not true? You can get health insurance with a low deductible for less than $200 a month? What insurance is that?

 

 

Who said anything about $200 a month? Are you confusing Premium with Deductible?

 

But yes, in some cases, there can be good coverage with no deductible, with a premium of under $200 a month. (premium is how much your bill is).

 

Most policies that people choose to buy are PPO's, where not only do you pay a hefty monthly premium, but you are also having a large deductible.

 

They key with insurance is getting the right policy for you. Every case is different. That is where if you have a doctor you cant live without, we find a policy tailored around that. Horizon alone has over 1200 individual types of health insurance policies. They are cutting them down. Most of the big carriers has as many. This is where you call your favorite insurance broker or financial professional and talk to them. If they are any good, they will work with you to get the coverage you need at the most comparable price. Before saying "I want to shop it myself, dont want to pay a broker", you already do anyway, whether you work with a broker or not, you are paying the same premium monthly, the difference is, going directly, the insurance company keeps the commission, and you dont get the service of a person who gives a crap about you.

Addendum, I think I know what you were trying to point out.... why pay $2,000 more a year to cover the $2000 deductible? Because you cannot look at it from a simple blindfolded approach that you are. The deductible is just one aspect of the policy. When looking at health insurance, you have to look at a few things...

 

1. Premium - How much you are paying monthly.

2. The Network - What type of policy is this? PPO? HMO? EPO? A Hybrid? In Network only? Out of network coverage? Travel coverage? How big is the network geographically?

3. Deductible - Is there any? Are regular doctor visits excluded from the deductible requirement, or do you still have to satisfy it? Is the deductible only for out of network?

4. Co-Insurance - What is your co insurance responsibility beyond the deductible? Is it different for in network vs out of network. Is it indemnity, or do you have to pay and get reimbursed?

5. Co-Pays - Are there any? Different for specialist vs regular doctors?

6. Preventive Medicine - What is covered? Are Chiropractor visits covered? Massage? Accupuncture?

7. Prescription plan - What type of Rx coverage do you have? Same thing applies, network, deductible, co insurance, copays, brand coverage, etc.

8. Preexisting conditions blackout - How long are they excluded for? How strongly does the carrier fight over this.

9. Excluded or not covered procedures - There are alot here.

 

So..... Hopefully that helps. Insurance is not simply what is the cheapest price. Shopping insurance on price is the same stupid practice as picking 401k investments based on how well they did in the past and stopping at that. As stupid as shopping rates on CD's without looking at individual penalties, etc. This is focusing on a tree, and missing the forest.