Limited Health Insurance Plans

Limited health insurance plans provide a limited amount of coverage, unlike major medical insurance plans. Limited plans cost less than major medical plans, making them an attractive option for people who can’t afford health care plans offered by their employers or aren’t offered employer-sponsored plans. This offers people who can’t get major medical coverage because of pre-existing conditions the ability to get coverage.

Limited benefit plans often include doctor visits, prescription drugs, vision care, diagnostic testing or X-rays, hospital stays, surgery, accident benefits and more.

Before making a decision as to whether a limited benefit health insurance plan is right for you, you should carefully evaluate if the plan meets your current and future needs. Understand the limitations of the coverage and understand the expenses that will and will not be covered under the policy.

Make sure to ask your agent if there are any exclusions or limitations specifically spelled out in the policy, so that those expenses that fall outside the coverage does not catch you off guard.