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October 2, 2008
A study by the Centers for Disease Control (CDC) determined that in 2006 there were 43.6 million Americans of all ages who had no health insurance coverage. Among working-age Americans (those ages 18-64), there were 19.8% who did not have health insurance. Approximately 9.3% of children under the age of 18 did not have health insurance.
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Limited Benefit Health Insurance Plans (Mini-Meds) Were Never Intended To Be The Only Source Of Healthcare PaymentLimited Benefit Health Insurance Plans help defray healthcare costs:
Even though these limited benefit health insurance programs will not cover all the healthcare costs of your major illnesses, they are an affordable way of providing a “safety net” by helping pay the costs of doctor check-ups, hospital stays and prescription medications. Mini-Meds Offer Small Businesses An Affordable Way To Provide Health Insurance BenefitsMany small businesses just can’t afford the high cost of major medical health insurance. These limited benefit health insurance programs have low monthly premiums and at least provide basic, preventive medical care.
Business owners need to understand all the provisions of these limited benefit health insurance plans because they are designed to “defray costs”, not pay them entirely. A limited benefit health insurance plan for a family may cost as little as $50 per week, while a major medical insurance plan could cost as much as $200 per week for the same family.
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