Pre-Deductible Care
Some insurance plans require that policyholders pay 100% of all costs prior to meeting the deductible, with no option for a copay. If you choose a plan like this, you will be unable to visit your doctor for preventive care or even buy prescription drugs unless you pay the full cost of these things yourself. This kind of defeats the purpose of having health care coverage, especially if you don’t go to the doctor very often.
Look for a policy that offers a low deductible and reasonable plans for pre-deductible care. Medical bills can quickly add up, and if you are responsible for paying 100% for everything up to your deductible you may be out several thousand dollars before your insurance covers anything. Insurance policies can be confusing, but knowing what you are looking for and speaking to a professional health care coverage provider, can help you make the right choice.
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