Medical Insurance

Medical Insurance: Things That Can Save You Time, Money and Grief Medical Insurance Guide Resource
	Note that many fee-for-service medical insurance plans pay hospital expenses in full; some reimburse at the 80/20 level: * Deductibles are the amount of the covered expenses you must pay each year before the insurer starts to reimburse you. These might range from$100 to $300 per year per individual, or $500 or more per family. Generally, the higher the deductible, the lower the premiums, which are the monthly, quarterly, or annual payments for the insurance. * Policies typically have an out-of-pocket maximum. This means that once your expenses reach a certain amount in a given calendar year, the reasonable and customary fee for covered benefits will be paid in full by the insurer. (If your doctor bills you more than the reasonable and customary charge, you may still have to pay a portion of the bill.) Note that Medicare limits how much a physician may charge you above the usual amount. * There also may be lifetime limits on benefits paid under the policy. Most experts recommend that you look for a policy whose lifetime limit is at least $1 million. Anything less may prove to be inadequate.
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Medical Insurance: Things That Can Save You Time, Money and Grief

Medical Insurance Guide Resource