California Major Medical Plans – Low Cost Affordable Health Plans

That is, you do not have to meet a deductible before your insurance company will pay your medical claims. If you are fortunate, you might have a comprehensive plan with a zero deductible. With that said, there are often deductibles to meet prior to becoming eligible for benefits. With that said, there are often deductibles to meet prior to becoming eligible for benefits.

On the other hand, you might have a comprehensive plan with a $400.00 deductible. If you have a plan with a set dollar amount deductible, then you must pay that deductible before your insurance company will begin paying your claims. In the same manner, if you have a supplemental major medical plan, you likely have to pay what is referred to as a corridor deductible before your supplemental coverage kicks in.

In that way, if you incur expenses for two injuries in one year, then you might wind up paying two deductibles. Another type of deductible is called an “all cause” deductible. With this type of deductible, you are required to pay one flat dollar amount per calendar year to meet your deductible. After that amount is paid, all of your medical claims will be paid that year. There are also other sub-types of deductibles that apply to major medical plans and you should be apprised of them. Some major medical plans, for instance, have a “per cause” deductible which requires the insured to pay a deductible for all costs incurred due to one illness or injury.

Otherwise, a family of six might be required to pay as much as $900.00 (in the event of a $150.00 individual deductible) each year before their major medical plan will pay for benefits. A “per family” deductible ensures that the family is not prohibited from medical care due to the cost of the deductibles. Major medical plans that cover families often provide for a “per family” deductible rather than requiring that a deductible be paid for each family member separately. Where a major medical plan might have a $150.00 individual deductible, a family deductible might only be $300.00 for the entire family.

Typically, deductibles with flat-rate dollar amounts are paid by the insured beginning at the start of each and every calendar year. If you have a “per cause” deductible, however, then you will be required to pay the deductible on the date you first seek medical attention for the accident or injury. While major medical plans often offer the most complete coverage, it is a good idea to be mindful of your policy’s deductible requirements.

Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to access your instant quote for affordable california health insurance