General Question

pleiades's avatar

Californians: What health care insurance have you recently signed up for?

Asked by pleiades (6571points) January 18th, 2014

I’m curious about

My family is low income. We have a household of 3 and make less than 40,000.

I qualified for Medi-Cal last year, but man those clinics are freaking packed and located in the most ghetto places here in San Diego (yes believe it or not their are ghettos here) overall, I didn’t like the experience of going to the medical sign up for Medi-Cal and I’d rather pay some monthly insurance and get signed up with my own physician.

Tips and tricks?

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6 Answers

YARNLADY's avatar

The most affordable private insurance has a very high deductable and co-pay. You have to pay all of the initial expenses out of your pocket.

Our company provided insurance has increased the deductable and the co-pay, reduced many of the other benefits, and reduced the premium.

pleiades's avatar

How high of a deductible/co-pay are we talking about? I mean I’m just wanting check ups and vaccines at this point in my life.

YARNLADY's avatar

There are many versions of insurance available. You can get your questions answered by calling an insurance agent and asking them.

A common deductable is $1,000 – $1,500 per person.

Tropical_Willie's avatar

Check-ups and vaccinations are usually charged for as co-pays, but you still may have to go over the deductible before there is insurance coverage. (You pay for all doctor related items until you reach the deductible.)
Ask an insurance agent.

pleiades's avatar

Sorry I’m new to all this. What exactly is a deductible and how does it work as it pertains to health insurance

Tropical_Willie's avatar

You pay ALL costs for doctors / hospital visits up to a deductible amount.

Example—>5 visits to Dr @ $85 plus one emergency visit @ $550 equals $975, if you have a $1000 deductible you will pay for all the visits and have to pay $25 more to get to insurance coverage.
Once again go talk to an insurance agent.

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