Scan Medical Insurance

insurance? deductible? headache!?

So I recently moved to the US from England. The medical insurance is WAYYYYY different! I have some questions. Alot of medical plans requre you to select a deductible. I understand what that is, kind of! I know that if I end up in a wreck and my bill is 5,000 with my deductible of 1,000 the insurers would cover the remaining 4,000 once I paid mine. But say I had a deductible of 4,000 and I really didnt go to the docs office to much.. everytime i went to the doctors would i have to pay 100% of it myself until I had paid 4,000 worth of insurance. Surely it would be more cost effective to NOT have the insurance. I wouldnt be paying $500 a month AND 100% of my own doctors costs.. Would medical insurance really only pay off if I got into a major accident?

Public Comments

1. health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.