Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Vimo Editorial: Health Plan Profile
With low copayments for doctor's visits, the Active Start Plan lets you see a doctor even before spending a large deductible. In fact, Active Start doesn't have a deductible. But don't let the "no deductible" on the plan brochure have you think you won't bear considerable out of pocket expenses in the event of a medical emergency. The Active Start Plan 35 has an individual copayment maximum of $7,500, while Active Start 25's maximum is $6,000. Both plans feature high coinsurance rates of 40%, meaning you will pay 40% of ambulance, x-rays, lab work, and hospital inpatient care until you burn through your copayment maximum.
BEST FOR: Someone looking for a low premiums, and who wants a plan that offers benefits up front, but is willing to risk a large medical bill in the event of a major medical emergency.
PROS: You can see a doctor for a small copay once the plan goes into effect.
CONS: It features no maternity coverage.
Vimo is committed to an objective, open and comprehensive comparison shopping experience for health insurance buyers, and we welcome suggestions, updates and corrections from consumers and the insurance community.
Health insurance companies modify their offerings quite often. Contact a licensed health insurance agent to learn more about this health plan, any recent changes to it, and to verify that its benefits are currently available in your state.