Ok so since the medical or dental deductible is something you pay to the provider before the insurence benefit

Question

start to kick in I don't see the point of having insurence like the deductible for my daughter and I is 1,000 dollars a peice. We don't even get sick enough to pay 1000 dollars to a provider. Like for this year I would say my medical expenses for this year would probably be 300 dollars. Am I right about not seeing the point in getting this insurance?

Answer 1

Your getting the point but if you were to be hospitalized for any reason, it would cost more than your deductible so in a case like that it would be a good thing to have insurance. Even having a couple of blood tests a year could cost anywhere from 1 to 5 hundred dollars. I know it's frustrating but a crappy insurance is still better than none.

Answer 2

You are right. Your premium is probably low, since your deductible is high, am I right? This is one way for companies to keep insurance costs low, make the deductible high. I would shop for another plan. If your medical bills are not high, I would get a better plan.

Answer 3

perhaps it isnt well worth it. He would besides visit a community sanatorium and pay consistent with wellbeing practitioner visit with out coverage. You do ought to fulfill your deductible previously you get any centers. If he went there they could value him for the visit and that's deducted from the $1500. i think of he ought to get yet another coverage plans with a decrease deductible.

Answer 4

This type of insurance plan is not a "band aid" policy. In other words, it for MAJOR medical concerns. Such as surgery or serious illness (like cancer).