Why you DON’T need a Copay Plan!
by Steve Scanga – Owner of Affordable Health Insurance USA
You might be wondering why anyone would write such a thing? Especially a person who sells Health Insurance! Let me ask you a question. How often do you go to the Doctor? Is it once a year? Twice a year? Only for your Physical? Then why do you need to pay the Doctor money when you hardly ever go? I first of all realize that this description does not fit everyone. If it does fit you, read on…
Do you realize that most Insurance Plans with a Copay cost you more money per month than non copay plans? If you could save an average of $300 per month (by going to a Non Copay Plan), would that be worth NOT having a Copay Plan? That multiplies out to $3600 per year of Savings!! That is a lot of money! Let’s say you are healthy and hardly ever go to the Doctor. Your plan pays a certain percentage of the visit and you owe $75 (estimated) after your visit. Is saving $3600 – $75 = $3525 per year worth it to you? What if your visit cost you $100? Would that still be worth it? Me and Millions of other Americans think so too.
What are my Options?
On the Private Market there are numerous plans that have this option and they are sold by the Millions! This also applies to Individuals, Families, Couples, etc. Now, you are probably saying to yourself, “Of course this only applies to those little known insurance companies, etc.” If you asked yourself that question, you are dead wrong! Major Insurance Companies like Aetna, Cigna, and United, all have these plan options.
I tell people all the time, if you can save money each and every single month, and still have great coverage, why wouldn’t you consider this? Now I know that some of you are still saying (if you are still reading this!), I go to the Doctor all the time and I need a Copay! Or you go to a Specialist a couple of times a year. I understand that completely. This is not for everyone, just like all Insurance plans are different. I wish that I could say that a Health Insurance plan is a Health Insurance plan and they are all created equal, but I would be lying to you.
If this sounds like something you would be interested in learning more about or you just have other questions concerning your Health Insurance…Contact us here at Affordable Health Insurance USA
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