My father is quite healthy but my mother gets sick frequently. Should I buy a fixed coverage plan for my father and comprehensive coverage plan for my mother?
No, that is not an appropriate decision. If someone has pre-existing conditions, the insurance company will not pay for them anyway. And for a given age, the probability of someone getting a completely new medical condition is pretty much the same and therefore everyone for a given age pays the same premium. However, when a new medical condition arises, how much you get covered is the difference between the fixed and the comprehensive coverage. We recommend everyone to purchase comprehensive coverage plans.
Related Questions
- My father/mother is afraid of getting help, fearing that he/she will be labeled as sick, deficient or will lose the privilege to drive or live independently. Can you help?
- I have just bought a Kaiser 35,000 plan and would want to have a bigger coverage. Can I upgrade or buy another plan?
- Can a biological mother or father use 12 weeks of sick leave to care for a healthy newborn?
