health insurance 22 year old female/full time college student?

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  • health insurance 22 year old female/full time college student?


Answer #1 | 21/12 2013 10:05
A deductible is what you have to pay out of pocket before your insurance kicks in. No different than a deductible on car insurance. Your regular exams are either fully covered or at a reduced rate.
Answer #2 | 21/12 2013 10:48
A "deductible" of $6300 means that you pay the first $6300 of medical bills that are NOT for preventative care yourself. The insurance pays part or all of the 6301st dollar, and each dollar after that. In addition, due to a recent change in the law, the insurance pays the bills for "preventative" care and birth control in full, so you don't pay anything for those services.
Answer #3 | 21/12 2013 13:40
First off, since as of January 1 it is now a law that you must have health insurance your parents will need to get a policy to stay compliant with the law, and then you can be added to their policy. Otherwise, speak with an agent that works with all of the major companies in your area. Some policies have co-pays for doctor visits without meeting the deductible first, while other policies require you to pay the deductible before there is any coverage other than for preventive services. There is no charge using an agent, and the premium for the insurance will be the same as it is not using an agent.
Answer #4 | 21/12 2013 16:23
A deductible, is how much you pay in medical bills every year, BEFORE the insurance starts kicking in. It's not the $134 you have to worry about - it's the next $6,300. As a college student, I'd strongly suggest you multiply $134 times 12, and THEN tell me how expensive your once a year gyne visit is.

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