| You Can't Afford To Be Without Health Coverage
Health coverage helps protect you physically
and financially. Depending upon the plan, With health coverage
you will have access to thousands doctors and hundreds hospitals
if you need medical care, and it also means you will pay
only it small fraction of the total cost of your care. Since
the doctors and hospitals in provider networks have agreed
to bill specific fees for their services (called "Allowable
Amounts"),
insurance can further protect you from the high costs you would
be subject to without coverage.
An Example of Your Potential Savings for a Serious Accident
The chart below shows the medical costs that could be incurred after a serious accident. We've also listed the costs you could pay add the percentage you would save if you have coverage through one of our plans. As a Blue Shield plan member, the costs you pay wouldbe a small portion of the total billed amount for someone who is uninsured.
Services Rendered |
Uninsured Billed Amount |
|
|
Your Costs |
|
|
Deductible |
N/A |
$5,000 |
|
$2.400 |
N/A |
$0 |
|
|
|
|
Total Medical Costs (includes ambulance
ride, ER visit. surgery hospitalization, prescription
drugs physical therapy) |
$132,250 |
$7,050 |
|
$3,200 |
$3,560 |
$7,540 |
Annual Premiums/Dues |
N/A |
$960 |
|
$1,200 |
$2,376 |
$1,236 |
Your Total Costs |
$132,250 |
$6,010 |
|
$4,400 |
$5,936 |
$8,776 |
% Savings |
N/A |
94% |
|
97% |
96% |
|
Please note; These cost
are estimates based on 2004 examples of medical charges
and dues/premiums. Costs may vary depending on region
and provider |
Assuming any deductible
has been met you have, not yet reached your annul coinsurance/copayment
or out-of pocket t maximum and your coinsurance copyament
amount varies for Choice and Affiliate providers |
For further information and for all your
health insurance needs, please call us at our toll free number
877-477-4602 and talk to an actual person and learn the difference
personalized service can mean when learning about and purchasing
health insurance.
|
