Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Vimo Editorial: Health Plan Profile
With a lifetime maximum benefit is $6,000,000 per member, Health Net's Simple Choice plan is built to withstand any medical emergency you or your family faces – with the notable exception of an unexpected pregnancy. Maternity coverage is not included in the plan.
The Simple Choice 50 offers $50 copays for pre-deductible, preventive-care office visits. Other than that, you won't see many benefits from the plan until you've burned through your $5,000 deductible.
After you've spent your deductible, the plan also pays 100 percent of covered expenses, unless you seek healthcare out of network, in which case there's a large 50 percent coinsurance fee.
BEST FOR: Someone looking for a cheap plan that offers limited preventative health benefits not subject to the high deductible.
PROS: In addition to Health Net's strong network, the limited preventative benefits mean that you can go to a doctor for a small copay before you've spent your entire deductible.
CONS: The lack of maternity coverage means that a young woman could be faced with tens of thousands of dollars in medical bills if she becomes pregnant.
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.
