Ok, so I'm going to get health insurance and I'm Having a challenge trying to understand the deductible situation. The Health Insurance I'm looking into is Blue Shield of California and they have many plans, and it seems that the prices get a bit higher when the deductible gets lower. What does the annual deductible mean? Is that the amount that I have to pay off first before my insurance can cover me
It will depend on the plan. Generally, if the plans have a doctor co-pay listed as a $ amount you do not have to pay the deductible first. If they have a percentage as the co-pay it is usually after you pay the deductible. If it is an HSA plan you pay the deductible first.
They do have several choices ranging from a basic budget plan with limited coverage up to a comprehensive plan. The comprehensive plans have a higher premium than the basic plans because they have better coverage. The lower the deductible with any plan will have a higher premium.
You also have to consider the co-insurance and maximum out of pocket cap. The budget plans will have a higher maximum and you'll also need to pay a higher percentage.
Visit a local agent that works with Blue Shield as well as the other major plans in your area for help picking the best plan for you. The premium you pay using an agent is the same as you'd pay buying over the internet plus they can answer all your questions.
It will depend on the plan. Generally, if the plans have a doctor co-pay listed as a $ amount you do not have to pay the deductible first. If they have a percentage as the co-pay it is usually after you pay the deductible. If it is an HSA plan you pay the deductible first.
They do have several choices ranging from a basic budget plan with limited coverage up to a comprehensive plan. The comprehensive plans have a higher premium than the basic plans because they have better coverage. The lower the deductible with any plan will have a higher premium.
You also have to consider the co-insurance and maximum out of pocket cap. The budget plans will have a higher maximum and you'll also need to pay a higher percentage.
Visit a local agent that works with Blue Shield as well as the other major plans in your area for help picking the best plan for you. The premium you pay using an agent is the same as you'd pay buying over the internet plus they can answer all your questions.
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