Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
- High Deductible 5000 (HSA Compatible)Vimo Editorial Profile
Aetna's High Deductible 5000 plan is another easy-to-understand HDHP. Basically, Aetna will pay 100 percent of covered expenses after you burn through your $5,000 deductible. This means that, in the event of an accident, you won't have to worry about coinsurance or co-payments after you've spent your deductible. Granted, it is a very high deductible. - MC Value Plan 1500Vimo Editorial Profile
Aetna's MC Value Plans are available with $1500, $2500 and $5000 deductibles. If you compare these MC Value plans with the standard MC Plans with the same deductibles, you'll notice the Value versions have higher out-of-pocket expenses, along with more "value" in terms of lower premiums.
- 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
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