Mini Medical Plans - What Do These Plans Offer?
Approximately 45 million Americans are currently uninsured and another 25 million people don't have enough insurance coverage to handle their medical needs.
With health care costs on the rise, it really is a recipe for disaster.
Without health insurance, people's personal and financial health is at risk.
A person who is ill is less likely to seek out the care they need because they do not have insurance.
If they are forced to get medical care, usually due to a catastrophic event like an accident, then the cost of treatment can bankrupt them.
One option that may help alleviate the burden is mini medical plans.
When people talk about mini medical plans what they are really referring to are limited health insurance plans.
These types of health plan provide very basic health coverage and are for people who have no insurance, are underinsured, or can't get major medical insurance.
They are similar to major medical plans in that they generally cover the same services.
Where they differ is that the amount of the benefits provided by a limited plan is significantly lower.
The costs of the plans are considerably less as well.
Whereas you will pay a couple of hundred dollars a month in premiums for a regular insurance plan, you can get a mini plan for around $40.
If you are looking at purchasing a limited health plan, there are a few things you need to look out for.
Mini medical plans have the same financial requirements as their major medical counterparts.
This means you will be required to pay copays for doctor visits, coinsurance, and meet an annual deductible before the insurance benefits kick in.
Since limited plans do not provide a lot of insurance benefits, these amounts should not be high either.
Another thing that you will want to look for is annual coverage caps.
On average, mini plans will only provide a few thousand dollars worth of medical benefits.
You should carefully read over the benefits of any plan that you buy so you know exactly what you are getting.
The last thing you want is a nasty sticker shock when you go for medical care.
When you are ready for traditional health insurance, it is easy to make the upgrade.
Just visit an online insurance quote website to get pricing information on plans from different insurance providers.
Mini medical plans have their place but you want to switch to regular insurance as soon as you are able.
If you need help in this arena, we can help.
Please visit our website at http://www.
health-insurance-buyer.
com and provide your contact information so we may respond to your request.
With health care costs on the rise, it really is a recipe for disaster.
Without health insurance, people's personal and financial health is at risk.
A person who is ill is less likely to seek out the care they need because they do not have insurance.
If they are forced to get medical care, usually due to a catastrophic event like an accident, then the cost of treatment can bankrupt them.
One option that may help alleviate the burden is mini medical plans.
When people talk about mini medical plans what they are really referring to are limited health insurance plans.
These types of health plan provide very basic health coverage and are for people who have no insurance, are underinsured, or can't get major medical insurance.
They are similar to major medical plans in that they generally cover the same services.
Where they differ is that the amount of the benefits provided by a limited plan is significantly lower.
The costs of the plans are considerably less as well.
Whereas you will pay a couple of hundred dollars a month in premiums for a regular insurance plan, you can get a mini plan for around $40.
If you are looking at purchasing a limited health plan, there are a few things you need to look out for.
Mini medical plans have the same financial requirements as their major medical counterparts.
This means you will be required to pay copays for doctor visits, coinsurance, and meet an annual deductible before the insurance benefits kick in.
Since limited plans do not provide a lot of insurance benefits, these amounts should not be high either.
Another thing that you will want to look for is annual coverage caps.
On average, mini plans will only provide a few thousand dollars worth of medical benefits.
You should carefully read over the benefits of any plan that you buy so you know exactly what you are getting.
The last thing you want is a nasty sticker shock when you go for medical care.
When you are ready for traditional health insurance, it is easy to make the upgrade.
Just visit an online insurance quote website to get pricing information on plans from different insurance providers.
Mini medical plans have their place but you want to switch to regular insurance as soon as you are able.
If you need help in this arena, we can help.
Please visit our website at http://www.
health-insurance-buyer.
com and provide your contact information so we may respond to your request.
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