One of the most misunderstood aspects of health insurance

by AdminJ on August 21, 2009

One of the most misunderstood aspects of Health Insurance, I believe is how a plans deductible works, when the health carrier will start paying out on your co-pays and what you will be paying.

I am a Health Insurance Specialist in California, Health Insurance plans and Carriers are state to state but a deductible is pretty much the same thing across the board. Most PPO plans will give you at least 2 office visits before you meet your deductible which will only pay for the visit itself not the lab work or x-rays you have done on that same day. Your lab work and x-rays will be covered under in-patient co-pay after your deductible is met. Until that time you will pay the full negotiated rate for the service.

When picking a plan, make sure to see what your Stop loss or Co-pay limit will be. The Co-pay limit is the most you will spend in one year one medical bills.

Please feel free to contact me with any questions, to review your policy and for free quotes.

Politi Insurance Agents & Brokers

818-709-8442

http://www.health-insurancecalifornia.com

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