Who gets HDHP?
Anyone can buy a health plan with a high deductible, but those who choose the most often are healthy. Because they rely on their own health and don't plan to fill out a large number of prescriptions or go to a doctor or hospital multiple times, they are very happy with HDHP because they may never use enough care to get close to the deductible.
How did it happen?
Even for the healthiest, medical emergencies can occur outside the range of possibilities. The heart sometimes fails to work properly, an accident occurs, and unfortunately, cancer discriminates against anyone. If you are generally healthy, choose an HDHP, one of the unfortunate circumstances may run out of your bank account, or worse, put you in serious debt.
This is where the supplementary insurance plan can really save a day. Many people are unsure of the purpose of these plans, and others have never even heard of them. If you have accidental injuries or serious illnesses, accidents and major illness programs can provide tens of thousands of dollars in protection.
Suppose you walk outside in the winter and skate on your steps. This can cause dozens of people to be injured, but when you slip, you will hurt your right ankle. You can't drive to the hospital because [except for the fact that you feel extremely painful], you can't operate the brakes and the accelerator pedal because of an ankle fracture. In addition to going to the hospital, X-rays and any procedures needed to repair the rest, the ambulance is definitely not cheap.
How the plan works
In the event of an accident, the accident plan will usually reimburse you for injuries. If you are diagnosed with a major illness such as heart disease or cancer, a major illness program usually pays a sum of cash. Amounts and reimbursement/expenses vary for each policy and are based on the value you determine at the time of registration.
Through these complementary policies, your life has been clarified and your financial problems have been alleviated. If you have a disease or accident, your high deductible is no longer an issue because you will get money from your plan to handle these high amounts.
You might think "The purpose of HDHP is to save money, do you want me to buy more insurance?" Technically, yes. The HDHP pairing supplement program can still save you money because the supplement plan is also quite cheap. You may still pay less for three plans, and a major medical plan has a lower deductible.
Orignal From: Manage high deductible health plans
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