Limited Benefit PPO Health Insurance For Diabetics
Our plans are best described as limited benefit or defined benefit plans. Some companies like to use the term "mini-medical". But, it essentially all means the same thing.
A major medical plan typically has a deductible and then you are responsible for something called coinsurance. When you add the deductible and coinsurance together, they represent the maximum amount you pay in a year for your medical expenses. After that, everything is covered 100% (within the limitations of the plan).
A limited benefit plan lists specific amounts that it will pay for various medical expense categories.
For example, our HealthMax plan will pay up to $100 a visit (to you or the physician) for up to seven visits per year. If you were hospitalized, the plan would pay $3,000 for the first day of hospitalization, and $1,000 for each day after that.
Our plans have a long list of items they pay for including surgery, emergency rooms, testing, etc.
The question that everyone asks is: "Do these plans cover enough?"
The Limits of the Limited Benefit Health Insurance Plans
This entire web site is based on the idea that you cannot obtain a full major medical plan. Clearly, if you could obtain major medical insurance and can afford it - take it. There are no true substitutes.
The plans we offer have varying levels of coverage. We have a plan that merges two limited plans together and will give a major medical plan a real run for its money. I am going to send you to another web site that will give you lots of details in a moment or two. But, let me try to impart a few facts first:
1. If you are an insulin diabetic, chances are that one of our plans will be the best coverage you can obtain without being on a group health insurance plan.
2. If you are a diabetic on oral medication and have other medical issues or you are overweight, once again, we are your best option. There are a few plans that will cover you if you are on a single medication and have no other issues.
3. Our plans are limited, but our major medical substitute plan is very close to major medical coverage.
By the way, we also have guaranteed issue disability.
If you want to see all of our guaranteed issue health insurance plans, please go to our dedicated web site. Just click on the following link:
guaranteed issue insurance plans for diabetics, click here now
Or, Call Us at 800-272-0512
9 AM to 9 PM EST
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