Feb
15Don’t forget about this new plan, the $40/$2000 Deductible Plan! Our top selling California Individual Medical Insurance Plans have been the $25 Copayment Plan and the $30/$15000 Deductible Plan. When customers have found the $1500 Deductible Plan too pricy, we have recommended the $40/$3000 Deductible Plan, which is more affordable. However, there is a new plan in 2010 that has benefits and pricing that fall in between these two plans, the $40/$2,000 Deductible Plan.
This new plan is very similar to the $30/$1500 Deductible Plan. Doctor visits and prescription drugs are covered right away with a copayment. Doctor visits are $10 more and obviously the deductible is $500 more (for individuals and $1,000 more for families). Individuals can save a little more money by going with the $40/$3000 Deductible Plan.
Families, especially larger families, may want to steer clear of the $40/$3000 Deductible Plan and opt for the $40/$2000 Deductible Plan. The $40/$3000 Plan is not offered as a family plan. You can apply for it for you family, but you will have to enroll separately for each member of your family. That’s a lot more paperwork and often more cost. You will billed separately for each member of your family.
If you have multiple children, you may find that the $40/$2000 Deductible Plan allows you to get better coverage at a lower price. Let me explain. On this plan you pay one price no matter how many children you have. If you have one or two kids, you may not notice much of a difference in price or you might save money on the $40/$3000 Plan. However, if you have more children, you will notice significant savings by going with the $40/$2000 plan because after adding one child there are no increased costs for additional children. On the $40/$2000 Plan, a family with one child pays the same price as a family with ten children.
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