Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Vimo Editorial: Health Plan Profile
The name "Vital Shield" is apt, because this plan's primary mission is to give you coverage in the event of a catastrophic medical emergency. But the plan also offers some other basic benefits and a deductible ($2,900) that's lower than some of the other high-deductibles you'll see on the market. But beware of the co-payment maximum, which is a sky high $5,900.
Vital Shield 2900 also offers $10 copays for generic drugs and two pre-deductible calendar-year office visits for preventive care. Vital Shield is one of Blue Shield's lowest priced PPO plans.
BEST FOR: Someone healthy that wants insurance to serve as a "vital shield" against a medical emergency.
PROS: Very cheap premiums and an excellent network in
CONS: High, high, high coinsurance. After you burn through your deductible, you still pay 40% of covered expenses, until you've spent the coinsurance maximum of $5,900. Maternity isn't covered and there is no brand-name prescription drug benefit.
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.