Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
- POS OA HSA 5000Vimo Editorial Profile
Aetna’s Point of Service Open Access 5000 plan, compatible with Health Savings Accounts (HSAs), has low premiums but high out-of-pocket expenses. It’s definitely designed for use with an HSA, with most benefits coming into effect only after you’ve burned through your deductible. There is, however, a $25 copay for preventive health not covered by deductible. There’s no pharmaceutical drug benefit, something that’s standard for an HSA plan. - PPO 2500Vimo Editorial Profile
Aetna ’s PPO 2500 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for a small copay. - PPO 5000Vimo Editorial Profile
Aetna’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50. - PPO 5000 with DentalVimo Editorial Profile
Aetna ’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50. - 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.
- 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 much can I contribute to an HSA every year?
- Are there many different kinds of health insurance plans for small business?
- Who can open an HSA account?
- What are the disadvantages of a consumer driven healthcare plan?
- I noticed on Vimo that the same insurer may charge different rates in different zip codes. Why is that?