Health Insurance Plans... Single M 22?

Ok this is the deal I need insurance. Im going to pay for it. Im lost on the "Deductible" part... some are as much as 5K that I see. Now does it mean aftr i spend 5K out of my freakin pocket thell start covering my docter visits. And what are some decent ones, and would a PPO or HMO be better. Im going to be going to the doctor alot again prob to see if anyone can figure out whats wrong with me so IDK how to go with this. I can afford about 125MAX a month for insurance and have a few quotes but any help would be nice... Thanks Mike

If you currently have some type of medical problem it is to late to buy insurance. Insurance is meant to be purchased before you need it. No type of insurance can be purchased after you already need it. Health insurance will not cover pre-existing conditions until you have had the policy for 12 months.

In any case with all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

For example a typical broker can have access to 10 major carriers and 60 different plans just for one state.
You can try doing your own research on the internet, but if you give a good broker 5 minutes they will be able to make suggestions on which carrier may fit you best.

I suggest using yellowpages.com to search for health insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

Good Luck

It is true that if you currently have a health issue then if your purchase a policy now then it will most likely not cover that health issue. However, it is still important to get some form of health insurance coverage ins case something else happens.

If you want to find a plan that will allow you coverage for doctor office visits without having to first pay for your deductible then you will want to purchase a plan that has doctor office visit copays.

Remember that not all insurance companies have the same underwriting standards so if you are declined with one then be sure and shop around.

Here is some more information how health insurance plans work: