Health Insurance Lumenos
Health Insurance Lumenos
California Medical Insurance – High Deductible Plans
High deductible California Medical Insurance plans have been picking up steam consumers. With the rates being so affordable (often half the cost of a typical policy), why wouldn’t you consider one too? Preventative coverage is often included, and there is generally NO out of pocket expense after the deductible has been met. These plans also have the least total out of pocket exposure!
What is a High Deducible Plan?
High Deductible Health Insurance Plans are policies that transfer more up front expenses to the consumer. What does this mean you ask? Well hospital stays, inpatient or outpatient surgeries and emergency-room expenses are not covered by the insurance till you meet your deductible. After you meet the deductible the plan with then pay 100% of cost. But exams like routine physicals, mammograms and OB/GYN visits are often not subject to the deductible, meaning you get up front coverage which helps manage your health. Prescriptions are also usually discounted without having to meet the deductible too. But limiting the first dollar coverage and transfer a little more risk to the consumer the monthly premiums on these plans are very affordable.
Are HSA available with a High Deductible Plan?
Often high deductible plans can be joined with a Health Savings Account (HAS). An HSA can be used to save tax-free dollars to pay for qualified medical expenses. The funds from an HSA can also be used to pay for other expense such as dental and vision exams. By setting up an HAS you can lighten the burden of paying for up front medical bills. Money in your HAS is always yours to keep too, if you cancel you policy you still keep the money you saved.
How do you get a High deductible plan?
Most major California Medical Insurance Companies offer high deductible plans. With premiums varying from carrier to carrier it’s important to look into all your options. The best way to compare these plans is by contacting a California health insurance broker. A health broker is an expert in health insurance and can help you find the right policy for you. Below is a list of a few of the most popular high deductible plans in California.
Aetna PPO High Deductible plan
Anthem Lumenos HSA plan
Blue Shield of Ca High Deductible plan
Health Net High Deductible plan
Kaiser High Deductible plan
PacifiCare High Deductible plan
If you want to keep you dollars in your pocket then you should consider a high deductible health insurance plan. If this sounds like the right coverage for you contact a health insurance broker in your state that offers California medical insurance from multiple carriers.
About the Author
Adam Sepulveda
Adam Sepulveda is the owner of Fresno Health Insurance Services a leading resource in California Medical Insurance. Get free California Medical Insurance quotes today by visitng our website!
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