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Ok.I'm new when it comes to getting health insurance. Is there anybody there who can help me figure out how it works?I am not understanding the deductible part !I am young and healthy and go to a clinic about twice a year,spending aprox. $100 er visit including the tests and meds.I want to buy health insurance to be protected in case of anything.The lowest quote for deductible I was able to get was $1500. So,my understanding is,that I have to spend $1500 out of pocket before I get any coverage ??!!!That would mean ,If nothing serious happens to me within a year,I would have to visit a doctor 15 times to have the 16th visit covered ???!!!! And pay monthly for that???!!!Something isn't right,is it ??? I don't get 16 colds a year!!!
Tags: deductibles, health, insurance
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Latest activity: 15 years ago. This question has 2 answers.