What is a Deductible in Health Insurance?

What is a Deductible in Health Insurance?

TL;DR: A deductible in health insurance is the amount you pay out of pocket for covered services before your plan starts picking up part of the tab. It resets every plan year, and once you’ve met it, you’ll typically share costs with your insurer through...
Start’s Mental Health Coverage Lives Up to Its Promises

Start’s Mental Health Coverage Lives Up to Its Promises

The Wall Street Journal reports on a wave of lawsuits by patients frustrated with their health insurer’s mental health coverage. Complaints include: Insurers tend to advertise mental health coverage that’s practically unavailable because provider directories are...
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Get Added Peace of Mind with Start Shield

Start Health plans keep planned costs low by paying fixed benefit amounts for medical services. In most cases, members can find providers who accept those amounts by using cash-pay pricing or working with our Support Team. When that is not possible, such as during emergencies or situations where you cannot shop ahead, Start Shield provides added protection.

If you receive a bill that exceeds your plan’s reimbursement:

  • Our team reviews the charges for accuracy
  • We advocate on your behalf and negotiate with providers to reduce the total amount you owe

If a large balance remains after advocacy, Start Shield may provide additional financial assistance. Financial support is determined on a case-by-case basis and is designed to help limit your total financial exposure—similar to an Out-of-Pocket-Max.

Emergency care is automatically eligible for Start Shield. For planned procedures, a pre-bill must be submitted in advance to be eligible for Start Shield consideration. Start Shield works alongside your Start Health plan to help you manage unexpected medical bills with more confidence.

Start Shield Terms of Service

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