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. - 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.
- Foundation Hospital CareVimo Editorial Profile
Blue Cross Blue Shield of Texas' Foundation Hospital Care plan is the cheapest offered by the company, and as a result it offers very limited benefits. The name speaks for itself. The plan provides a foundation for hospital care in the event of a major medical emergency. At $5,000 it has a very high deductible. After hospitalization, you'll pay 20 percent of costs after meeting the deductible, until you reach the plan's out-of-pocket maximum (OOPM). - PPO Select Saver Plan IVVimo Editorial Profile
The PPO Select Saver from Blue Cross is a big step up from Blue Cross' ultra-cheap Foundation Hospital Care plan. The PPO Select Saver series comes in a wide variety of deductibles and premiums. All the plans offer $25 physician office visits and $100 emergency room visits. Coinsurance amounts for the plans are all $3,000. Copayments for drugs are $10 for generic or $30 for preferred brand name drugs. Like any "saver" plan in Texas , maternity isn't covered. - PPO Select Saver Plan VVimo Editorial Profile
The PPO Select Saver from Blue Cross is a big step up from Blue Cross' ultra-cheap Foundation Hospital Care plan. The PPO Select Saver series comes in a wide variety of deductibles and premiums. All the plans offer $25 physician office visits and $100 emergency room visits. Coinsurance amounts for the plans are all $3,000. Copayments for drugs are $10 for generic or $30 for preferred brand name drugs. Like any "saver" plan in Texas , maternity isn't covered. - PPO Select Saver Plan VIVimo Editorial Profile
The PPO Select Saver from Blue Cross is a big step up from Blue Cross' ultra-cheap Foundation Hospital Care plan. The PPO Select Saver series comes in a wide variety of deductibles and premiums. All the plans offer $25 physician office visits and $100 emergency room visits. Coinsurance amounts for the plans are all $3,000. Copayments for drugs are $10 for generic or $30 for preferred brand name drugs. Like any "saver" plan in Texas , maternity isn't covered. - PPO Select Saver Plan VIIVimo Editorial Profile
The PPO Select Saver from Blue Cross is a big step up from Blue Cross' ultra-cheap Foundation Hospital Care plan. The PPO Select Saver series comes in a wide variety of deductibles and premiums. Plan VII has the second highest deductible in the bunch: $5,000. But all the plans offer $25 physician office visits and $100 emergency room visits. Coinsurance amounts for the plans are all $3,000. Copayments for drugs are $10 for generic or $30 for preferred brand name drugs. Like any "saver" plan in Texas, maternity isn't covered. - SelecTemp PPO Plan IIVimo Editorial Profile
SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay. - SelecTemp PPO Plan IIIVimo Editorial Profile
SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay. - SelecTemp PPO Plan IVVimo Editorial Profile
SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay. - SelecTemp PPO Plan VVimo Editorial Profile
SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay. - SelecTemp PPO Plan VIVimo Editorial Profile
SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay. - SelecTemp PPO Plan VIIVimo Editorial Profile
SelecTemp PPO isn’t designed for the buyer who is seeking out something that will last beyond six months. It offers a variety of deductibles – and corresponding premium prices – to choose from. Buyers can select $1,000, $1,500, $2,000 or $2,500 deductible depending upon what premiums they’re willing to pay.
- 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.
UnitedHealthcare (Underwritten By Golden Rule)
Get Prices for Health Plans from UnitedHealthcare (Underwritten By Golden Rule)- 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.
- Plan IVimo Editorial Profile
The Texas Health Insurance Pool’s Plan I has a relatively low $1,000 deductible. You’ll spend $30 for a co-pay to see a doctor, while drug co-pays for a month’s prescription can run from $10 to $40 after a separate $200 pharmaceutical deductible. - Plan IIVimo Editorial Profile
The Texas Health Insurance Pool’s Plan II has a $2,500 deductible. You’ll spend $30 for a co-pay to see a doctor, while drug co-pays for a month’s prescription can run from $10 to $40 after a separate $200 pharmaceutical deductible. - Plan IIIVimo Editorial Profile
The Texas Health Insurance Pool’s Plan III has a high $5,000 deductible. You’ll spend $30 for a co-pay to see a doctor, while drug co-pays for a month’s prescription can run from $10 to $40 after a separate $200 pharmaceutical deductible. - Plan IVVimo Editorial Profile
The Texas Health Insurance Pool’s Plan IV has a sky-high $7,500 deductible. You’ll spend $30 for a co-pay to see a doctor, while drug co-pays for a month’s prescription can run from $10 to $40 after a separate $500 pharmaceutical deductible.