where can I find healthcare coverage with no deductible?

Question

I am in California.......

I am in California.......

Answer 1

In California only two places:
Med I Cal = the state offers this to low to mid income residents (legal immigrants or citizens- this is a very liberal state)
Kaiser Permanente offers a No Deductible plan under a HMO plan.
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Answer 2

You would basically need to join an HMO. They typically have low co-pays for office visits and perscriptions and any follow-up care from an office visit is usually free to you*. However, with the lower co-pays and no deductible, you will also pay significantly higher premiums. To give you an idea, my employer was paying about $350-$400 per month for my HMO coverage and I am a 33 year-old single male.

*I had an ACL reconstruction done about 7 years ago while coved by an HMO. I paid $5 or $10 for the visit to the orthopedists, but I didn't have any additional costs for the surgery, physical therapy, or follow-up visits.

Answer 3

PPOs, which allow you to go to any doctor in their network, generally have a deductible. HMOs, which require you to coordinate your medical services through a single doctor or medical group, generally don't have deductibles.

But do you really want or need a plan with no deductible? You can basically think of health insurance costs as a see-saw.

On one side is variable costs: the amount you pay out-of-pocket if and when you incur a claim (deductibles, co-pays and co-insurance). On the other side are fixed costs: your monthly premium. The more risk you're willing to accept in terms of variable costs, the lower your premiums will be. The less risk you want to accept, the higher your premiums will be.

So you can find HMOs with little or no deductibles, but you're going to pay a high monthly premium for them. Since you're in Calfornia, you may want to check out www.InsuranceNeighborhood.com. It's a free service which let's you compare rates and benefits from several plans -- you can even find a local agent through them.

Answer 4

Does not exist. But look at your local farm bureau. Policies have $300 deductions and those are pretty rare. Good Luck.

Answer 5

in India health care insurance provides coverage with no deductions maximum up to the sum insured and the limits of the covers opted

Answer 6

Southwest Service Life has a health care program with no deductible.

Answer 7

Pretty much any company - but you're going to be paying a LOT in premiums. (Figure $300-$500 a person a month)

Answer 8

anywhere if you are willing to pay the company rather than the deductable.

Answer 9

pay a higher premium-or get an HMO

Answer 10

Kaiser. But why would you want that???? Bad idea. It will cost you more than it is worth.