Health insurance deductible?

Health insurance is expensive wherever you get it. And a private policy is almost always more expensive than a group policy. The trend is for most of the policies now to have high deductibles and/or high copayments, and employers are moving towards these policies and sometimes asking employees to shoulder more of the burden of payments. This keeps their costs down and discourages "frivolous" utilization. (The definition of "frivolous" is undoubtedly SOMEONE ELSE's health care utilization!) Some of these policies do allow one physical or "wellness" visit per year that is covered, including Pap Tests for women.

Price out your options. I get annoyed every time I pay for my basic health services (and get ripped off with high prices each time) until I remind myself that with my $2500 yearly deductible per family member I am saving about $1200 per month in premiums! My policy has a $7500 yearly family out-of-pocket maximum, so I save money no matter what happens - it just seems to sting more when you have to pay $400 for an x-ray that you used to think was "free" because you never saw a bill.

I suggest that you try this internet site where you can compare rates from different companies: http://coverage-finder.net/index.html?src=2YAudA0e...

RE :Health insurance deductible?

Im not fully comprehending this. So if my policy says my deductible is $2,500 and I only go for $50-$100 doctor visits,.etc. I have to pay the $2,500 before the insurance company will pay for my basic care visits? Also from my understanding employers are likely to offer "employees" cheaper coverage, than an individual plan would and charge more if u include a spouse and/or child than an individual plan would.So the best option for me is to take the employer paid plan for myself and get a private individual plan for my dependents. <===== Is this correct?

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