Where can i get a low cost health insurance with a low deductable in miami, fl 33133?
1. Tom Z
Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant.
On the other hand if you are young, reasonably healthy and use the health care system sparingly you could consider a high deductible health plan that covers only the major health catastrophe. In conjunction with a Health Savings Account this approach might be right for you.
If you'd rather have more comprehensive approach consider a PPO or HMO plan. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.
Same place you find a brand new 2012 Cadillac, fully loaded, for $25.
You're asking to find something for LESS than it costs - a LOT less. And it's not realistic.
If you don't qualify for welfare, you'll get what you pay for. Low cost means high deductibles or crappy coverage.
Nowhere. If you want low deductible and good coverage, it will NOT be 'low cost'. With health insurance, you get what you pay for, and you do NOT get what you do NOT pay for.
4. Ryan M
There is no such thing as both low cost AND low deductible. You pay HIGHER premiums for lower deductibles.