Hospitalization Only Insurance compared to
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I've been a insurance agent since 1985. I help Connecticut citizens find health-insurance and have for the last many years have also maintained a web site that assists people in other states find medical and hospital plans online.
Through the years I have altered my mind about hospitalization only insurance. These health insurance policies have important limitations that are not present in the typical health...
Some methods on finding affordable health-insurance.
I have been a health insurance agent since 1985. I help Connecticut residents find health-insurance and have the past several years have also managed an internet site that assists people in other states find hospital and medical plans online.
Over time I've changed my mind about hospitalization only insurance. Visit check this out to research the reason for this concept. These health insurance policies have important limitations which are not present in the conventional health insurance program. Dig up extra resources on our affiliated encyclopedia - Click here: go here. I tend now to help my customers who show an in hospital only policies find catastrophic health-insurance services. High-deductible or catastrophic health care insurance policies will also be low in price, but have fewer disadvantages.
Why I do not like hospitalization just insurance:
Hospital stays are becoming shorter and shorter. But, folks are certainly not healing anymore quickly. The medical care that years back, you might have received in the hospital during the last day or two of your stay is today care that you are likely to get not in the hospital. This care is not likely to be covered. A hospitalization only health insurance program may cover the hospital stay, usually not the medical care that takes place outside the hospital. For a second standpoint, please consider checking out: website.
X-rays, lab work, MRIs, etc. often occur beyond a hospital. These could be expensive and may possibly not be included in a hospitalization only insurance policy.
A long-term illness may require years of medical practioners visits, none that will likely be covered by a hospitalization only insurance plan.
People buy hospitalization only insurance plans to truly save money. Saving cash is-of course the best thing. However if it was the only thing we'd all wear the least expensive clothes and choose the least expensive car.
If you must keep your costs for health insurance lower, I would suggest searching for medical and hospital plans on-line or elsewhere and looking for a huge or high deductible plan that includes you both in the doctor's office and in the hospital. For me, a catastrophic health insurance policy that has a deductible, but includes you in the doctor's office and the hospital is just a better option than a hospitalization only policy that's a $1,000 deductible even though they charge the same.
Hospitalization only insurance is much like a bullet-proof vest that is only bullet-proof in-the top. Catastrophic health insurance may be a better solution. Visiting patent pending perhaps provides suggestions you might give to your uncle. If you want to save money, go for a higher deductible medical care insurance plan that's "bullet-proof" on both sides.
Good Luck,
Alston J. Balkcom
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