No matter what you buy, there will always be a correlation between price and benefit. Whether it’s a pair of shoes, a car or even a new dishwasher - anything that sounds too good to be true, usually is. Cheap health insurance is no different. When it comes to insurance, there are no bargains.

There are many reasons that they can sell cheap insurance. One reason is that they can sell cheap insurance only if they provide very little in return. Sometimes they have to worry about the number of claims they would need to pay out, too. Too many claims could put a company out of business. Ratings for these companies will be very low, which is a big red flag right up front!

Or it could be that they pay their doctors very little per visit. And still another reason might be that deductibles are high and their reimbursable claims are low.

All insurance companies need to manage their risk level. They are in business to make money; paying claims is something they do because they are obligated to but they want to do everything they can to deny claims. Cheap insurance companies have become experts in finding ways not to pay claims. They may not be able to.

Many of the doctors who choose to contract with these companies actually need the business. There are reasons why doctors are willing to take such low reimbursements and it’s usually because they are not board certified, and perhaps they haven’t even graduated from a U. S. Based medical school. There have even been reports where doctors who have lost their licenses are found working with some of these questionable insurance companies.

Deductibles for this type of cheap insurance are typically higher than normal and totally unreasonable. If you or your family make frequent doctor appointments, this is not the best insurance for you, no matter what the price is.

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