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What makes up a good health insurance policy?
I need a short-term health insurance policy (6 months). I have no idea what all the terms mean though. Basically I want to be able to visit my doctor for colds/general complaints if needed for little to no money other than a copay, and I want coverage if I have to stay in the hospital in case of emergency. What is a deducitble/what is a GOOD deductible? What do all the numbers mean? The insurance I have now through my job is awesome and pretty much pays for everything,but it's through my job at a hospital so I won't find private insurance as cheap I'm sure. I'm a part time nurse and a full-time student so nothing to outrageously priced.
Thanks.
1 Answer
- Tom ZLv 71 decade agoFavorite Answer
A short term health insurance policy is not intended to cover colds / general complaints. You should be prepared to pay some of those expenses yourself. The short term policy is meant to cover a major health issue not day to day medical expenses. That is why the minimum deductible is $250. and higher.
Only you can determine what is a GOOD deductible. You need to weigh the value of the premium reduction for a higher deductible against the benefits of a low deductible. Keep in mind that a short term policy is not meant to be a policy that "pretty much pays for everything".
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