supplemental health insurance?
Medtran01 asked:
I am a healthy 40-year-old female with no major medical problems. I recently acquired health assurance (as I am self employed) at my own cost. My premiums are $149.00 a month, with a $1200 deductible. Are there any supplemental insurances out there for healthy adults to kick in when your primary insurance has such a high deductible? I know there are supp. insurance for people whom are on Medicare, but that is not the case here. I am healthy, 40 years old, with no kids.
Radiology schools
Thanx
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Tagged With Health Assurance, Primary Insurance, Supplemental Insurance
Comments
43 Responses to “supplemental health insurance?”
Well, the whole point of a high deductible with low premiums is that you absorb the small amount. You’re pretty much guaranteed to accrue $1000 in routine testing & medical procedures during a given year. Want a fair price for supplemental insurance? Look at the cost of a plan with a $100 annual deductible, subtract the $149 a year you’re paying for your current plan - that’s how much the supplemental policy will cost.
In other words, if you don’t want the $1200 deductible, switch to a different plan. But plan on it costing you at least an extra $1000 a year.
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With a $1,200 deductible you would qualify for a Health Savings Account. This is a special account where you could deposit $1,200 each year as a tax deductible contribution. The $1,200 sits in this account and is used to pay the first $1,200 of medical costs not covered by insurance each year. If you don’t spend the $1,200 you have it in the account for future years, you don’t lose it. In fact you can keep putting in the $1,200 each year and build up a fund that can pay for health care when you retire or switch it to an IRA arrangement which would allow you to take the funds as a retirement annuity.
Your insurance agent should be able to guide you through this if not get a new insurance agent. I’m suprised they didn’t bring this up when you bought the policy. Good Luck!
You can purchase supplemental insurance, but put a pencil to paper for this. You are spending $149 a month for insurance. If you spend another $50 for a supplement, you are spending another $600 a year just for the supplemental coverage. In my opinion, save the $600 a year and apply it toward your $1200 deductible. If you are healthy and don’t use the insurance, the $600 you would have spent on the supp plan stays in your back pocket.
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