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Old 06-16-2007, 03:43 AM
helllllllllliiiiii helllllllllliiiiii is offline
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Default health insurance question?

Hi i am in search of a good health insurance and i was wondering your option on this

Blue Shield: $45 monthly premium
Plan type: PPO
Deductible: $4,000
Coinsurance: 0%
Office Visit: Pay nothing after deductible

i am a 20 year old male in good health.


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Old 06-17-2007, 08:03 PM
zippythejessi zippythejessi is offline
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That's a pretty good deal... Chances are, you won't meet your deductible, so you come out ahead of most people. =) Here's two things I'd recommend though:
1. NEVER pay up front for services. ALWAYS have the insurance billed first. Reason being: this is how it's tracked to meet your deductible, and you should only have to pay the "contracted rate" - meaning a LOT less than the cash price. (Provided you use in-network doctors!)
2. If you can do it, set up an HSA (health savings account) - this is pretax money that is set aside for anything medical - deductibles, copays, etc. Some of them allow you to buy Tylenol with them.... It's a good way to have the money set aside for any bills.... They often issue you a debit card for the acct....
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