Affordable insurance w/ NO deductible and low premium?

Question

I need you to tell me names of insurance not quote sites cuz they don't help. i need one for 2 ppl a mom and daughter. it shouldnt have a deductable or be more that 200 monthly.

live in fl but what about 250

Answer 1

A policy with no deductible and less than $200 monthly for two people does not exist.

You'll want to contact a local independent agent. This person can explain the policies available. In most individual policies the deductible does not come into play unless you go into the hospital. The doctor visits and prescription co-pay are not subject to the deductible. The agent will be able to find a policy like this and explain the deductible to you.

Depending upon your ages and current health a $1000 deductible probably will cost more than $200.

You may get answers here concerning medical discount cards (with no deductible). Be very wary of these cards. They say they have no deductible because you pay everything exept the possible 10% discount you might get.

They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.

Answer 2

Assuming you're talking about HEALTH insurance here.

If you're 30 and healthy, a low/no deductible plan WILL cost about $250 a month, per person. If the daughter is a kid, that's not a problem; if the daughter IS the 30 year old, you're NOT going to find health insurance with no deductible for a 50 year old, or even WITH a deductible, for much less than $500 a month.

If EITHER of you have health issues, you're going to have a hard time finding someone to take you, period.

Your question is kinda like asking, "Give me the name of a Cadillac dealer who will sell me a brand new car, fully loaded, for $25 cash." There's no such horse.

A local agent can get you quotes . . . but as you've probably realized, you can't insure 2 people for $200 a month with no deductible.

You CAN buy a "health discount plan" - which most providers don't take, which won't pay you BACK anything, and which can STILL leave you with tens of thousands of dollars of medical bills.

With health insurance, you get what you pay for. That's just the way it is. There aren't any short cuts.

Answer 3

Doesn't exist.

If you want a low premium, you're going to have a high deductible. If you want a low to no deductible plan, you're going to pay out the wazoo in premiums.

You need to sit down with a local agent and they'll help you find the best plan for your needs that you can afford.

Answer 4

Compare quotes from the best companies at - INSUREGRADE.INFO-

RE Affordable insurance w/ NO deductible and low premium?

I need you to tell me names of insurance not quote sites cuz they don't help. i need one for 2 ppl a mom and daughter. it shouldnt have a deductable or be more that 200 monthly.

Answer 5

Are you talking health insurance?

Realize that you get what you payfor...

That being said, you might try marathonins.com. It's a brokerage that may be able to help you (at least in CA).

Answer 6

Rates are based on medical history, age, and area. I would check with a local agent. But in my market, what you want does not exists at $200.

Answer 7

Get insurance quotes

Answer 8

Edit your comment and let me know where you live. If it is in Arizona, I might be able to help you...