High Deductible Major Medical

The idea behind having a high-deductible plan is to save you money on your monthly premium.  The majority of Americans have been on low-deductible insurance plans for years.    Meanwhile, month after month, year after year, they are paying very high premiums to cover fairly low-cost medical treatments.

As Jordan Goodman points out, it’s much more cost-effective to pay a much lower premium for a much higher deductible that will nonetheless protect you against a financial catastrophe as a result of a serious injury or illness. 

The high-deductible plan will offer the coverage you need plus pay for tens of thousands, hundreds of thousands, or even millions of dollars, in the event of a major medical illness or injury.  The best part is that you can have this coverage by itself or you can pair it with a schedule-of-benefits package to maximize your health insurance benefits. 

This high-deductible coverage is subject to approval by the insurance company.  Each application is reviewed on an individual basis and goes through a process called underwriting.  During this application review, the underwriters will assess any preexisting conditions you may have, and according to the rules set forth by your state concerning pre-existing conditions, may issue you a policy.  For more information on preexisting conditions please contact one of our representatives.



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