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CHOOSING A HEALTH INSURANCE PLAN-- WHAT TO LOOK
FOR
CHOOSING A HEALTH PLAN
AVOID BEING DECLINED FOR HEALTH INSURANCE
CONTROLLING UNBEARABLE INSURANCE RATES
SPLITTING POLICIES--A WAY TO SAVE MONEY
HOW LARGE A DEDUCTIBLE SHOULD I CHOOSE?
HIGH OR LOW DEDUCTIBLES--WHAT'S BEST?
WANT TO SAVE MONEY? CHOOSE A HIGH DEDUCTIBLE
HOW MUCH SHOULD I REVEAL ON MY APPLICATION?
AUTOMATIC CREDIT CARD DEDUCTIONS
THE
LARGE PRINT GIVETH, THE SMALL PRINT TAKETH AWAY
WHEN SHOULD I
SUBMIT MY INSURANCE APPLICATION?
FINALLY! CAREER
HEALTH INSURANCE FOR SINGLE WOMEN
THE WISDOM OF A
HIGH DEDUCTIBLE
OPTIONS FOR
COVERAGE OF PRE-EXISTING CONDITIONS
“STRONG” & “WEAK” CAREER
INTERNATIONAL HEALTH PLANS
MEDICAL
EVACUATION – HOW MUCH COVERAGE DO WE NEED?
LOW
DEDUCTIBLE. HIGH DEDUCTIBLE. WHAT’S BEST?
FOUR
DIFFERENT TYPES OF CAREER HEALTH INSURANCE PLANS
WHAT TO LOOK FOR
WHEN RATES ARE TOO GOOD TO BE TRUE
HEALTH INSURANCE
COVERAGE HERE, THERE, OR HERE & THERE?
TEN REASONS TO
PURCHASE GLOBAL CITIZEN.
WHEN IS A PLAN WITH
A STRICT PRE-EXISTING REQUIREMENT A GOOD IDEA?
HEALTH RATES IF
COVERAGE IN THE USA IS EXCLUDED
LOW DEDUCTIBLE.
HIGH DEDUCTIBLE. WHAT’S BEST?
People generally choose a deductible based on their ability to meet that
deductible. If you have no problem finding $5,000 to pay the deductible in
the case of a major catastrophe, then a $5,000 deductible is a good option.
If you think you could only find $1,000 in a crisis, then $1,000 would be a
reasonable deductible.
Many folks think that going with a high deductible saves a lot of money. You
do save, but sometimes not so much. Note the changes in annual premium for a
30-34 year old male based on various deductibles:
$250 deductible = $1,275
$500 deductible = $1,120
$1,000 deductible = $871
$2,500 deductible = $772
$5,000 deductible = $632
$10,000 deductible = $498
The largest saving of $249 comes between the $500 and $1,000 deductible. Going from $1,000 to $2,500 saves only $99, and from $2,500 to $5,000 only saves $140. In fact, going from $1,000 to $,5000 saves only $239 per year even though you have added $4,000 to the deductible. So increasing the deductible does not produce great savings. Up to the present time, with all companies, the $1,000 deductible seems to be the most cost-efficient.Back to Index
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