It does not cover everything and the people considering the coverage need to be aware of what is covered and what is not. That way there is no surprises. It is also a good option for people between jobs that want to maintain health care coverage. It will help cover doctors’ visits and give discounts on prescription medications. Again, education is crucial to find the right plan. True Coverage
What do mini medical plans normally cover? Each plan is a bit different. But the best plans offer a set pay plan on certain benefits. That means if you go to the doctor they will pay X amount and you cover the rest. If the insurance covers $75 for a doctor visit and your doctor charges $100, you pay the $25 difference. Most will provide a certain dollar amount for each day you stay in the hospital. Again, you cover the excess costs out of your own pocket. These policies are excellent options for people in good health.
Employers are seeing the benefits of mini medical plans as well. They often have employees complaining about the cost of their comprehensive medical plans. This is especially true for young singles in good health. A mini plan can fill that gap. It provides limited health care coverage without the high costs of a comprehensive plan. While it is not a good option for some, it is something for many people to consider. These plans are good alternatives for small businesses that want to offer some medical coverage but cannot afford the bigger plans. Consider a mini plan if you want health care coverage at a good cost.