There are several new rugby players entering the realm of professionalism and they come equipped with questions. Many of these young sports professionals have young families. They are just beginning to get their feet wet in the working world. These are the candidates the medical health insurance companies are all anxious to draw into their fold. Many of the insurance companies are going to great length to modify their health insurance plans specifically to meet the needs of the young and healthy family.
To entice the young and healthy into the fold will help to keep the health insurance industry solvent and perhaps help them to change and become more creative in their insurance policies. Of course, the insurance companies themselves do have a few tricks up their sleeves.
One of them is to convince these young professional rugby players and their families that they can receive a more comprehensive health care policy if they are willing to absorb a higher than average deductible. To the delight of the health insurance carriers the young rugby player is willing to do just this in order to receive, what they believe is a better insurance policy for a lower average monthly cost for health insurance.
In exchange for a few minor concessions, the young rugby player and the family members will receive a number of benefits reduced for many others. Of course, belonging to a larger and more prominent team also helps when everyone participates in the health insurance coverage the team owners are trying. Medical benefits such as is stated below.
1. Office visit co-payment of an undisclosed amount per person
2. In network deductible between two thousand dollars and four thousand dollars
3. In network co-insurance of up to eighty percent with a ceiling limit of ten thousand dollars per individual, per health care coverage
4. Out of network deductible of two thousand dollars per individual
5. Out of network co-insurance of sixty percent to ten thousand dollars per individual
6. Hospital inpatient deductible and co-insurance per individual
7. Outpatient surgery deductible and co-insurance
8. Prescription drug program of fifteen dollars or fifty percent with every one hundred dollars on a tier two deductible
This is in fact an overall cost reduction that is beneficial to the insurance companies and to the young rugby sports participants for a number of years. This will help to keep the low cost health insurance available to the greater portion of the current population.
Of course, future medical expenses are in dealing with upgrading the current health insurance policy when the time comes and as the need arises. However, when even the young rugby players begin to develop a pre-condition the terms of the current insurance policy will need re-negotiating in seven years.