Change Deductible
Change Deductible
Adjust your policy deductible amount
Important Notice
Changing your deductible will affect your premium and out-of-pocket costs. Please review the new deductible options carefully before submitting your request. Select the new deductible, and our team will send you back a quote before finalizing the change.
Steps to Change Deductible
-
Review Options
- Compare deductible levels
- Understand premium impacts
- Consider your healthcare needs
- Review your financial situation
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Prepare Required Information
- Current policy details
- Desired deductible amount
- Preferred effective date
- Reason for change
- Submit Your Request Submit your request through your customer portal. Our team will review and provide a quote for the new deductible before finalizing any changes.
Compare Deductible Options
Higher Deductible
Lower monthly premiums but higher out-of-pocket costs when you need care
Lower Deductible
Higher monthly premiums but lower out-of-pocket costs when you need care
Available Deductible Options
- $500
- $1,000
- $2,500
- $5,000
- $10,000
How to Submit
Frequently Asked Questions
When can I change my deductible?
When can I change my deductible?
You can typically change your deductible at your policy renewal date. Mid-term changes may be possible in certain circumstances, but may require additional underwriting.
How will changing my deductible affect my premium?
How will changing my deductible affect my premium?
What is a deductible?
What is a deductible?
A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. For example, with a 2,000 of covered services yourself.
How long does it take to process a deductible change?
How long does it take to process a deductible change?
Processing times can vary, but it typically takes 5-10 business days to review and approve a deductible change request. If additional information is required, it may take longer.
Can I change my deductible back if I am not satisfied?
Can I change my deductible back if I am not satisfied?
In most cases, you can change your deductible again at your next renewal date. Mid-term changes are less common and may be subject to underwriting. Please contact our support team for specific details related to your policy.