Since the cost of health insurance continues to rise, most people will have had to deal with ways to mitigate those increases. The process should begin thinking about what was not the real purpose of health insurance. The premium for the cost of the important questions that focus on all services. For many years we were very low or no deductibles and minimal co-payments for doctor office visits used and prescription drugs.
If the insurance is that little flapCosts associated with a first dollar basis? Expect to meet our car insurance to oil changes or new tires? Certainly not, but we were all right if you were with before higher costs on health insurance is much lower for many years. Now that cost is the main factor, we must examine the real purpose of insurance and making a huge potential loss to the insurance company. Health insurance was never designed to physician office visits or other non-cover catastrophic medicalExpenses. Our desire for the plans, which caused many of the achievements of our fall into the mindset of thinking that these plans, as it should be. Get out of this position is painful, because nobody likes to pay more and get less.
Increasing the deductible on your insurance company solves a question in everyone's mind. Will I ever meet such a high deductible and I am wasting my money? Let's look at an example of a family in Virginia and someComparisons:
Man - 49 years old
Women - 49 years old
Child - 20 years
Plan Option 1:
$ 500 deductible per person
Co-pays for doctor visits and medication
$ 644 monthly premium
Plan Option 2:
$ 5000 Family Deductible
No co-payments
$ 210 monthly premium
In this current example, with premium rates by Anthem Blue Cross Blue Shield, there is a difference in monthly cost of $ 434 or a difference in annual cost of $ 5208th Common sense tells us that no matterHow many are needed doctor visits or medications, could the entire family deductible of $ 5000 will be fully funded by the annual premium savings of $ 5208th Since it is not probable that the deductible is met each year will be a part of the $ 5208 belonging to the customer, rather than given to the insurance company in high premiums.
Although we like to think that our insurance will pay for our costs, it is clear that the customer is actually the effect that the payment byhigher premium costs. A bonus is a "guaranteed loss". The insurance company will not reimburse a portion of the premium, if there is no need for catastrophic medical care in a given year. With the strategy of a high deductible the client is guaranteed a profit every year that medical expenses do not exceed the premium savings. The dramatic savings premium between the two plans make it a safe bet for almost everyone.
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