Ask Experts Questions for FREE Help !
Ask

    Health insurance in Florida(No deductibles)

    Asked Sep 17, 2009, 10:24 AM 2 Answers
    My wife 57 has had vistahealth HMO plan of Florida $487.00 monthly. No deductibles but
    Co-payment is $20.00 primary/ $40.00 Specialist. But next year they want to
    Raise the monthly premium to $562.00 a month. That is going to far for me.
    The focused deductible plan is a little cheaper $467.00. But You must pay a $1,000 for the hospital stay. You must
    Pay $250.00 in prescription drugs, in addition you still have to pay $20.00 co-payment to see your primary and $40.00
    To see a specialist. You would think the premium for the focused plan, would be more cheaper, only $24.00 cheaper a month
    Do you think its worth it?

    Last edited by Oneill474; Sep 18, 2009 at 03:03 AM.
    Search this Thread
    Share |
    2 Answers
    nikosmom's Avatar
    nikosmom Posts: 1,611, Reputation: 488
    Ultra Member
     
    #2

    Sep 17, 2009, 11:12 AM

    Her plan is so expensive because of not having a deductible. I have to ask why she chose this plan. The reason I say this is, the money she's spending on having "no deductible" could be spent towards the deductible. She's essentially paying extra for the possibility that she may use it.

    There are many companies that will offer a low ($500 or $1000) deductible. I don't know of any off tops that do $0 (perhaps this is something that is being phased out outside of Group plans).

    Crunch the numbers and you/she may come out around the same once all is said and done. You may even save some money by choosing a plan that has a deductible.
    Helpful
    twinkiedooter's Avatar
    twinkiedooter Posts: 12,172, Reputation: 1054
    Uber Member
     
    #3

    Sep 23, 2009, 12:28 PM

    Also reading your other post about her back condition she may want to reconsider changing carriers as her pre-existing condition may disqualify her or she might have to pay a lot more. The price of everything has gone up. For her plan to have gone up is not surprising. I, for one would stick with the plan she has versus the deductible plan which will probably cost more in the end at $1,000 for a hospitalization deductible.
    Helpful

Not your question? Ask your question View similar questions

 

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Add your answer here.


Check out some similar questions!

Can health insurance be cancelled yrs later (Florida) if I omitted facts on applicatn [ 5 Answers ]

I have had health insurance with Blue Cross of Florida for 5 years. If I omitted facts on the initial application, can this policy be cancelled even after 5 years? I thought I was protected by ERISA regulations after 2 years, but lawyer friend told me this may not be so.

Health insurance for diabetic, otherwise in good health [ 5 Answers ]

Next month, I will be landing in Texas as a new immigrant on my Green Card (female aged 55 years - not working). I have diabetese which is well controlled bu insulin and am otherwise in good health. Which companies would provide me a health insurance cover, even if they put a waiting period for the...

Florida Child Support - Health Insurance [ 2 Answers ]

I am a non-custodial parent that is ordered to provide health insurance and pay 75% of medical expenses for my two boys. My X has refused to properly return documents to the insurance company so that claims can be paid. I am now required to pay 75% of $6000.00 of medical expenses because the...

Do I still have health insurance? [ 2 Answers ]

I just turned 19 not too long ago, and my health insurance expired a couple of days ago. I used the insurance to get birth control, that my mom doesn't know about. My insurance was also dependent on my mom's. I heard somewhere that once someone turns 19, they can no longer be signed with their...

Insurance deductibles [ 2 Answers ]

On my homeowners policy in Florida. They have all perils deductible $2,500 and Hurricane deductible 10% of $11,325.00 and then there is wind deductible. Are these separate deductibles I would have to pay, before my insurance Would kick in??


View more questions Search