You'll have to renew your insurance every year, so being able to add on coverage is less imporant for something like maternity coverage (imo) - usually you have plenty of warning that you'll need it. I wouldn't pay extra to be able to add stuff on later. Also, if you can help it, I wouldn't think of individual insurance coverage as a long-term solution. In 5-7 years your rates are going to start to go up significantly.
The deductible is the amount you'll have to pay before your insurance will cover anything (well, they might cover preventive services before the deductible, but... not a doctor's visit 'cause you caught step and need drugs). Ideally, you'd want to have most of the deductible amount available in the bank (or via a credit card - which is how I first had debt problems, I don't recomend that as an emergency funds source :-S) each year - 'cause the insurance will not cover that amount.
The emergancy-only option is for people like my husband who only visit the doctor if they're dying of something AND I've brow-beaten him into it. :-S
hope this helped and didn't overwhelm you :-) Best of luck!
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Date: 2009-06-17 07:44 pm (UTC)The deductible is the amount you'll have to pay before your insurance will cover anything (well, they might cover preventive services before the deductible, but... not a doctor's visit 'cause you caught step and need drugs). Ideally, you'd want to have most of the deductible amount available in the bank (or via a credit card - which is how I first had debt problems, I don't recomend that as an emergency funds source :-S) each year - 'cause the insurance will not cover that amount.
The emergancy-only option is for people like my husband who only visit the doctor if they're dying of something AND I've brow-beaten him into it. :-S
hope this helped and didn't overwhelm you :-) Best of luck!