Don’t Let the Low Cost Health Insurance Plans Fool you

by AdminJ on August 21, 2009

In the past year there has been a lot of new Health Insurance plans come out with lower cost monthly premiums, which usually means less benefits. Having less benefits is not always a bad thing as long as you are not fooled into thinking you have more Health Insurance coverage.

A few things to know before buying a low cost plan:

1. Do you get any office visits with this plan?

A few Carriers, like Blue Shield have low cost plans that gives you two office visits before you meet your deductible. Those 2 visits can come in very handy. You can use it for your yearly preventive care or any other kind of office visit for usually around $40.

2. If you do get office visits, are they before or after the deductible and how many?

Anthem Blue Cross will give you unlimited office visits on a number of their plans but it is after your Copay limit is met. This can confuse you since it says unlimited office visits but you could find yourself with large bills after you realize.

3. What your Stop-Loss/Co-Pay limit for the Calendar year is.

Every Health Insurance plan has a Stop Loss. This is the most you spend in one year on all medical bills. This would be your worst case scenario. Some of the lower cost plans have as low as $4,900 a calendar year.

4. Is your deductible waived for Preventive Care?

If you are the kind of person who never goes to the doctor other then your once a year Physical or OBGYN and just need a Health Insurance policy in case of emergency’s, there are low cost plans that will give you your preventive care deductible waived or free. If your deductible is waive you will just pay the co-pay for the treatment.

Please feel free to give me a call to answer any questions or review your current policy to see if a low cost plan is a good fit for you.

Politi Insurance Agents & Brokers



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