Health Insurance Product Reviews Major carriers and high deductible health plans
California: View Carrier Profile
- Active Start 25Vimo Editorial Profile
Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon. - Active Start Plan 35Vimo Editorial 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. - Shield Spectrum PPO 1500Vimo Editorial Profile
Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon. - Shield Spectrum PPO 2000Vimo Editorial Profile
Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon. - Shield Spectrum PPO 5000Vimo Editorial Profile
Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon. - Vital Shield 2900Vimo Editorial 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.
Frequently Asked Questions
- How does coinsurance work?
- What are co-payments and deductibles?
- What steps does Vimo take to protect my privacy?
- If I rollover an Archer Medical Savings Account (MSA) into a Health Savings Account in a state like California, then what tax penalties do I owe the state for the year of the rollover?
- What types of HMO models can I choose from?