Hello. I am looking for advice on health insurance. I deffintly want blue cross blue shield (anthem) I am currently 19 and my husband is 22. Neither of us have been to a doctor in about 4 years so we will need good coverage to get check ups done and make sure we are 100 percent healthy, and all that. I am looking for AMAZING insurance. I dont understand the things though. Does anybody have insurance they pay for monthly that they love and can explain the bills they get and how things are payed for and if a deductible has to be paid for in full before you can see a doctor or how does that work? Thanks alot- the plan we're looking into costs almost 300 a month for the two of us.
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$300/month for 2 is a bargain..check benefits closely deductible is paid as you see dr...ie; $500.00 deductible means the first $500 of care comes out of your pocket before the insurance pays anything. You may have a co-pay after that. You may have an amount to pay $20, $30, etc at each office visit after you pay your deductible...or...your dr bill is say $200.00 (and you have already paid deductible on other visits) your insurance may pay a percentage, say 80% ($160) and you pay 20% ($40). each plan is a little different. If you have trouble reading the policy ask you sales agent to explain
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