What is Limited Benefit Health Insurance, and is it Right for You?

Exploring limited benefit health insurance plans for the uninsured consumer, and the advantages they offer to the average American worker looking for healthcare coverage they can afford.

Limited benefit health insurance is sometimes the only way those who make a lower wage can afford any health insurance at all. Although this kind of insurance does not always cover catastrophic care such as long hospitalization, most people would agree that some coverage is better than none at all.

In addition these plans are subject to far fewer restrictions than other health insurances, and this type of coverage can be obtained by anyone, even those with a pre existing condition.

The most attractive aspect of a limited benefits health insurance plan is the cost. Many of these plans cost as little as $45 per week, which is within the reach of families who could not begin to consider taking on the high cost of a traditional health insurance plan.

What do these limited plans cover?

Most of the limited benefit health insurance plans available cover regular doctor visits, often with lower co pays than those associated with a traditional HMO or private plan.

Although some plans only cover up to $1,000 in costs, for the average person that can still provide an adequate amount of healthcare, and gives families options for care that go beyond the emergency room.