High Deductible Option
 The
agent explains that insurance companies are allowed to offer a high deductible
option with Plans F and J. High deductible option policies often cost
less, but if you get sick, your out-of-pocket costs will be higher and
you may not be able to change plans.
If you choose this option, you must pay a $1,650 deductible for the year
2003 before the plan pays anything. This amount can go up each year. You
must also pay deductibles for prescription drugs ($250 per year for Plan
J) and foreign travel emergencies ($250 per year for Plans F and J).
These high deductible options on Plans F and J are not available from
all companies and are not sold in all states.
Sondra comments that Marvin needs costly prescription drugs and asks
the agent which plans offer the best prescription drug coverage.
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