The term mini medical plans bring up pictures of miniature versions of medical coverage. And in a way that is true. These plans come with limited coverage in order to keep medical costs under control. True Coverage
That means the covered person gets a limited number of visits to the doctor each year. The plan will cover some medical tests for a certain amount. The patient pays any amount over that coverage. Most do not cover preventative care visits. There is extra coverage for surgery, critical illness, accidents, etc. But it is not what a full plan would cover.
Who should consider taking out one of the mini medical plans? It may be a real option for those that cannot afford a comprehensive medical plan. The patient gets some medical coverage at an affordable rate. 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.
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