Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
- Preventative and Hospital Care 1250Vimo Editorial Profile
A plan with relatively low premiums and a relatively low deductible, Preventative and Hospital Care 1250 is, unlike the similar Preventative and Hospital Care 3000, not compatible with Health Savings Accounts (HSAs). - Preventative and Hospital Care 3000 (HSA Compatible)Vimo Editorial Profile
A plan that’s compatible with Health Savings Accounts (HSAs), Preventative and Hospital Care 3000 has rock-bottom premiums and a high deductible ($3,000). The idea behind the plan is that you sock away $3,000 in pretax dollars in an HSA, which would be spent toward the deductible before benefits kick in.
- Blue Choice ValueVimo Editorial Profile
Blue Cross and Blue Shield is the oldest and largest health insurer in the state of Illinois. The Blue Choice Value plan delivers a different network than the “regular” Blue Cross Blue Shield PPO network in the state. It’s a slimmed down “choice” version with less doctors in its network. As a result, premiums are considerably lower for this plan than other BCBS plans in the state. - BlueChoice Select 1000Vimo Editorial Profile
BlueChoice Select offers $30 office visit copays for every visit, preventive care coverage and 80 percent coverage for most services, prior to reaching your out-of-pocket maximum and after you're reached your deductible. - BlueChoice Select 1750Vimo Editorial Profile
BlueChoice Select offers $30 office visit copays for every visit, preventive care coverage and 80 percent coverage for most services, prior to reaching your out-of-pocket maximum and after you're reached your deductible. - BlueChoice Select 250Vimo Editorial Profile
BlueChoice Select offers $30 office visit copays for every visit, preventive care coverage and 80 percent coverage for most services, prior to reaching your out-of-pocket maximum and after you're reached your deductible. - BlueChoice Select 2500Vimo Editorial Profile
BlueChoice Select offers $30 office visit copays for every visit, preventive care coverage and 80 percent coverage for most services, prior to reaching your out-of-pocket maximum and after you're reached your deductible. - BlueChoice Select 500Vimo Editorial Profile
BlueChoice Select offers $30 office visit copays for every visit, preventive care coverage and 80 percent coverage for most services, prior to reaching your out-of-pocket maximum and after you're reached your deductible. - BlueChoice Select 5000Vimo Editorial Profile
BlueChoice Select offers $30 office visit copays for every visit, preventive care coverage and 80 percent coverage for most services, prior to reaching your out-of-pocket maximum and after you're reached your deductible. - BlueChoice Value 1000Vimo Editorial Profile
BlueChoice Saver is similar to its more expensive brother BlueChoice Select, but not surprisingly doesn't offer some of the same benefits. - BlueChoice Value 1750Vimo Editorial Profile
BlueChoice Saver is similar to its more expensive brother BlueChoice Select, but not surprisingly doesn't offer some of the same benefits. - BlueChoice Value 250Vimo Editorial Profile
BlueChoice Saver is similar to its more expensive brother BlueChoice Select, but not surprisingly doesn't offer some of the same benefits. You don't get "Well-Adult Care" (a cheap annual physical and annual gynecological eam) or $30 office visits. What you get instead is solid 80%, post-deductible coverage for inpatient and outpatient services, outpatient emergency care (after a $75 pre-deductible copayment) and 80 percent coverage for prescription drugs. Other benefits of the plan include mental illness treatment and substance abuse rehabilitation treatment, covered at 80 percent for the care you would receive from a physician, 60 percent for the first 14 days of hospitalization that's required, or 50 perecent of outpatient care. There's also an option for maternity coverage. - BlueChoice Value 2500Vimo Editorial Profile
BlueChoice Saver is similar to its more expensive brother BlueChoice Select, but not surprisingly doesn't offer some of the same benefits. - BlueChoice Value 500Vimo Editorial Profile
BlueChoice Saver is similar to its more expensive brother BlueChoice Select, but not surprisingly doesn't offer some of the same benefits. - BlueChoice Value 5000Vimo Editorial Profile
BlueChoice Saver is similar to its more expensive brother BlueChoice Select, but not surprisingly doesn't offer some of the same benefits. - BlueEdge Individual HSA 1100Vimo Editorial Profile
A plan designed for use with a Health Savings Account (HSA), BlueEdge has an out-of-pocket expense limit that equals its deductible plus $3,000. - BlueEdge Individual HSA 1750Vimo Editorial Profile
A plan designed for use with a Health Savings Account (HSA), BlueEdge has an out-of-pocket expense limit that equals its deductible plus $3,000. - BlueEdge Individual HSA 2600Vimo Editorial Profile
A plan designed for use with a Health Savings Account (HSA), BlueEdge has an out-of-pocket expense limit that equals its deductible plus $3,000. - Select Blue Advantage 1000Vimo Editorial Profile
Select Blue Advantage isn't a one-size fits all insurance plan, but one that comes in 8 styles: low deductible (as low as $250) to very, very, very high deductible (a whopping $5,000). Naturally the size you pick will effect your monthly premium. The plans all have the same basic features, including a $5 million lifetime maximum, inpatient hospital benefits, outpatient care (including X-rays, labs and diagnostic services), and up to $1500 a year in ambulance services. - Select Blue Advantage 1750Vimo Editorial Profile
Select Blue Advantage isn't a one-size fits all insurance plan, but one that comes in 8 styles: low deductible (as low as $250) to very, very, very high deductible (a whopping $5,000). Naturally the size you pick will effect your monthly premium. The plans all have the same basic features, including a $5 million lifetime maximum, inpatient hospital benefits, outpatient care (including X-rays, labs and diagnostic services), and up to $1500 a year in ambulance services. - Select Blue Advantage 250Vimo Editorial Profile
Select Blue Advantage isn't a one-size fits all insurance plan, but one that comes in 8 styles: low deductible (as low as $250) to very, very, very high deductible (a whopping $5,000). Naturally the size you pick will effect your monthly premium. The plans all have the same basic features, including a $5 million lifetime maximum, inpatient hospital benefits, outpatient care (including X-rays, labs and diagnostic services), and up to $1500 a year in ambulance services. - Select Blue Advantage 2500Vimo Editorial Profile
Select Blue Advantage isn't a one-size fits all insurance plan, but one that comes in 8 styles: low deductible (as low as $250) to very, very, very high deductible (a whopping $5,000). Naturally the size you pick will effect your monthly premium. The plans all have the same basic features, including a $5 million lifetime maximum, inpatient hospital benefits, outpatient care (including X-rays, labs and diagnostic services), and up to $1500 a year in ambulance services. - Select Blue Advantage 500Vimo Editorial Profile
Select Blue Advantage isn't a one-size fits all insurance plan, but one that comes in 8 styles: low deductible (as low as $250) to very, very, very high deductible (a whopping $5,000). Naturally the size you pick will effect your monthly premium. The plans all have the same basic features, including a $5 million lifetime maximum, inpatient hospital benefits, outpatient care (including X-rays, labs and diagnostic services), and up to $1500 a year in ambulance services. - Select Blue Advantage 5000Vimo Editorial Profile
Select Blue Advantage isn't a one-size fits all insurance plan, but one that comes in 8 styles: low deductible (as low as $250) to very, very, very high deductible (the whopping $5,000 of this version). Naturally the size you pick will effect your monthly premium. The plans all have the same basic features, including a $5 million lifetime maximum, inpatient hospital benefits, outpatient care (including X-rays, labs and diagnostic services), and up to $1500 a year in ambulance services.
- HumanaOne Autograph HSAVimo Editorial Profile
HumanaOne's Autograph insurance line includes three health plans designed for health consumers interested in taking charge of their own well being. These plans qualify the holder for a Health Savings Account (HSA) tax-advantaged accounts that enable people to save pre-income tax dollars for future healthcare expenditures. - HumanaOne HSAVimo Editorial Profile
One of the most impressive features of HumanaOne is also a staple of every Humana plan: the excellent online health plan management tool that enables you to check status of claims, see how much you’ve spent on healthcare during the year and estimate the costs of common medical procedures, services and prescriptions. Browsing the online features of the plan, you realize Humana really gets the importance of the Internet in making consumer driven healthcare effective for participants. - HumanaOne Portrait Share Plus Rx UnlimitedVimo Editorial Profile
HumanaOne's Portrait Share Plus Rx Unlimited plan offers the kind of top-tier benefits you'd expect from a gold-standard plan enjoyed by employees of a major corporation. You'll have easy access to providers and concierge-like services from your health plan that will make you feel pampered. - HumanaOne monogramVimo Editorial Profile
The HumanaOne monogram health plans offer rock-bottom premiums in exchange for extremely high deductibles. Intended for confident, healthy people who want coverage in the event of a medical catastrophe, but prize affordability more than anything else. - Individual Health PlanVimo Editorial Profile
Humana Individual Health Plan members have access to an excellent online health plan management tool that enables them to check status of claims, see how much they’ve spent on healthcare during the year and estimate the costs of common medical procedures, services and prescriptions. Browsing the online features of the plan, you realize Humana really gets the importance of the Internet in making consumer driven healthcare effective for participants. - Individual Health Plan with copayVimo Editorial Profile
Humana Individual Health Plan members have access to an excellent online health plan management tool that enables them to check status of claims, see how much they’ve spent on healthcare during the year and estimate the costs of common medical procedures, services and prescriptions. Browsing the online features of the plan, you realize Humana really gets the importance of the Internet in making consumer driven healthcare effective for participants.
- CeltiCare II Select PPO 80/20 $1,000Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible. - CeltiCare II Select PPO 80/20 $1,500Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible. - CeltiCare II Select PPO 80/20 $2,500Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible. - CeltiCare II Select PPO 80/20 $5,000Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible. - CeltiCare II Select PPO 80/20 $500Vimo Editorial Profile
CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
Frequently Asked Questions
- How is the rollover of an Archer Medical Savings Account (MSA) into a Health Savings Account (HSA) treated by the federal government for tax purposes?
- I am a benefits manager. Will consumer-driven healthcare (CDH) save me money?
- When should a patient shop for a new doctor?
- How do health maintenance organization (HMO) plans operate?
- Can I pay for cosmetic surgeries with an HSA?