Family Doctors - Frequently Asked Questions

Also known as “catastrophic” or “major medical” insurance, high deductible health insurance is designed to protect you from ruinous medical expenses.These plans encourage you to shop more wisely for insurance as well as routine health care. Here’s how it works: You choose a higher deductible, usually between $1200 and $11,900, depending on your insurer (the deductible is what you pay out of pocket before your insurance starts paying.) You cover your own medical expenses up to that deductible amount. Once you spend up to your deductible, your insurance company covers most or all of your medical bills (depending on the particular policy you choose).

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