How to Find Health Insurance Without a Deductible

Health insurance carriers have changed their products to reduce waste and complication. The only way to lower health insurance policy premiums for consumers is to increase out-of-pocket expenses if treatment were ever necessary. Finding health insurance products that do not contain deductibles can be accomplished quickly. Getting a policy that you can afford will be an entirely different endeavor.

Instructions

• 1

  Call or email the sales department at each of the health insurance carriers in your area. Explain your situation to the insurance company representative. Provide requested details about yourself and your medical insurance needs.

• 2

  Request no-deductible policy quotes. After all necessary information has been notated, instruct the carrier representative to generate quotes for only those plans that do not contain deductibles. Most PPO plans, those with out-of-network benefits, have deductibles that must be paid when services are provided by non-participating doctors. However, many HMOs and other managed-care policies contain in-network deductibles that apply to any treatment costs, not just out-of-network services.

• 3

  Evaluate product features, benefits, and costs. When the packages arrive with specific information about the different carriers and their product lines, examine the quotes and compare them to one another. Pay strict attention to the benefit summaries accompanying the carrier’s report. Ensure no deductible is present on the quotes you are considering.