2006-12-16 13:07:40 · 8 answers · asked by Amber 1 in Business & Finance ➔ Insurance
In Illinois, Texas and other states where available I find Unicare to have affordable health plans with low deductibles. They are one of the last companies to offer office visit copays and pharmacy copays for reasonably priced plans, including those with low deductibles. Underwriting can be difficult to get through if you have pre-existing conditions.
As an agent I price several companies when searching for plans that meet my clients needs. Blue Cross, Assurant, Celtic and others are viable options to look at.
Work with an agent. They are invaluable experts. Explain what you're looking for. They'll ask pertinent questions to find out what's important to you. Agents are paid by the insurance company if and when they make sale.
It cost you nothing extra but you'll then have 2 resources taking care of you throughout your policy holding.
2006-12-17 12:17:36 · answer #1 · answered by KC www.thepolicyconnection.com 1 · 0⤊ 0⤋
Affordable and low deductible? Those two do not mix. Because of the escalating cost of health care, low deductibles are not affordable. If you want options, the best out there now is John Alden. They are a subsidiary of Assurant, a large and respected company. They just reduced their premiums across the board by an average of 12%. They have a lot of flexible plans with many options on deductibles, copays, etc. Get with an agent. It doesn't cost any more and they can help you do the shopping.
2006-12-20 09:35:22 · answer #2 · answered by Michael R 1 · 0⤊ 0⤋
Deductible means the amount you need to pay ( from your own pocket ) before the health care provider start to pay your medical bill.
The higher the deductible, the lower the insurance premium.
If there is an 'affordable health care plan with low deductible', be careful; You have to check the Maximum Out-of-pocket Annual Limit that you have to come out ( which include Co-insurance and Deductible ).
The Maximum out-of-pocket Annual Limit is varies widely among health care plan providers.
2006-12-16 18:20:35 · answer #3 · answered by malaysiainsuranceguide 3 · 0⤊ 0⤋
Just remember, that sometimes low deductibles mean, pathetically, that the insurance company is less likely to cover important things, becuase since you are paying less, they care less. My professor taught us that in our social problems class. So make sure you research a little before buying.
I'm going to come back and read the answers you get. Maybe someone knows of a good deal, because I will have to "insurance shop" this spring when I graduate. Not my idea of a fun time!
good luck,
sammie
2006-12-16 13:13:10 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I would recommend you to visit this web page where you can get rates from different companies: http://cheap-insure.info/index.html?src=2YAmmvyrAV28
RE :What is an affordable health care provider with low deductable?
Follow 8 answers
2016-08-29 22:04:25 · answer #5 · answered by Anonymous · 0⤊ 0⤋
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RE What is an affordable health care provider with low deductable?
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2016-04-15 23:09:17 · answer #8 · answered by Dove 2 · 0⤊ 0⤋