Pennsylvania Health Insurance Quotes Easy To Insure Me .com
High Deductible Health Plan HDHP
Why would I consider a High Deductible Health Insurance Plan?
Advantages
- Extremely Low Health Insurance Premiums
- Health insurance premium reduction up to 50%
- Receive health care benefits In Network & Out of Network
- Choose any health plan Doctors in your area
- 100% coverage after the deductible (available)
- Anyone can apply for health care coverage
- Out of pocket health care costs are capped at a maximum for every year
- No Copay for health care services
- Tax advantages if combined with a Health Savings Account
If you are one of the many people paying $1200-$1800 per month for family health insurance coverage or $600 per month for individual health insurance coverage a High Deductible Health Plan is the right choice for you.
Example 1 Family
Family
Male Age 50
Female Age 50
Son Age 10
Daughter Age 15
$500 per month for a high deductible health insurance plan with a 2,500 deductible
Health insurance plan pays for all health care expenses after deductible is met for the year
Example 2 Individual
Individual Male Age 50
$150 per month for a high deductible health insurance plan with a 2,800 deductible
Health insurance plan pays for all health care expenses after deductible is met for the year
Example 3 Savings
You are a Male Age 45 on Aetna paying $310 per month
You switch to World Insurance with a 1,000 deductible paying $117 per month
Aetna $310 subtracted by World $117= You saved $193 per month
You Saved $2,316 for the year
Can you afford to pay $1,000 if you go into the hospital? The answer is YES YOU CAN because you have saved $2,316 for the year on your health insurance premiums.
Furthermore, if you don’t use your plan for the whole year you have saved the whole $2,316.
Many people are scared of high deductible health insurance plans because they feel they will be hit with a large bill if they need healthcare services. This is not the case.
When going to the hospital
Instead of paying copays, a bill is sent to your home after the visit. You can choose to pay all or part of the bill at this point as long as you pay for it. If you were charged $1,000 you have no more out of pocket expenses for the year except your low health plan premium. Now you get your health care services with no cost to you except your low health insurance premium.
In a mathematical view
Current Plan
Health insurance premium + Deductible + Copays = Total out of pocket expenses for the year (use 2 dr. visits and 1 visit to the hospital if you don’t use your plan)
High Deductible Health Insurance Plan
Health insurance premium + Deductible = Total out of pocket expenses for the year
(subtract deductible if you don’t use your plan)
HOW MUCH WILL YOU SAVE?
Contact Chad Levin or Go To EasyToInsureMe.com
Phone 215-944-3079
Email easytoinsureme@aol.com
