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Today's solution to many healthcare needs.
Providing basic benefit needs with a significant reduction in costs.
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A Mini-Med is a limited benefit indemnity health insurance plan which can
be issued with very few restrictions through age 64. Medical bills are submitted
to the insurer for reimbursement up to the limits of the policy. The Mini-Med
policy can be used with any medical provider and is not limited to any specific
PPO network. It is commonly used in conjunction with a high deductible major
medical policy to help "fill the gap" in coverage. Mini-Med Plans are considered
supplemental coverage and are not meant to replace major medical policies.
Most Mini-Med policies include reimbursement for in-patient hospital procedures,
surgical benefits, doctor visits, emergency treatment, and life & accident
insurance benefits. All allow you to choose your desired level of coverage.
Mini-Med plans do not use deductibles or co-pays like standard health insurance
plans. Most plans have a 12-month waiting period for pre-existing conditions,
including pregnancy.
Mini-Med plans usually include access to doctor and hospital providers at
wholesale (discount) pricing through PPO Networks. To receive discounts (pricing
adjustments)
you must use a provider within the designated network. To receive maximum
benefits from a Mini-Med Insurance Policy, always try to use a PPO network
provider. The discounted bill can then be submitted to the insurance company for
reimbursement. If you do not use a network provider you can still submit the
bill for reimbursement, but you will not receive a discount on the bill. Most
Mini-Med plans include access to additional health discounts including dental,
vision, prescriptions, plus other benefit options. For employers it can be an
inexpensive way to provide employees with healthcare coverage, and the perfect
solution just might be a "mini-med" plan. "A mini-med plan is a low-cost
healthcare plan for somebody who cannot afford traditional insurance or who is
not eligible for major medical insurance, like a part-time or hourly employee.
It's not meant to replace a traditional major medical plan; rather it's more of
a basic policy. It provides access to day-to-day health care such as going to
the doctor or getting a prescription drug. It does provide benefits for
hospitalization and surgical, but they're limited. It is not intended to be
used as catastrophic coverage.
I think a mini-medical might work for me! |
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