Are any limited benefit health insurance plans legitimate?

Limited Benefit health plans often get a bad rap - and sometimes they earn it. We all have read the buzz about the famous Wal-Mart plan with a $1,000 cap. Yup, that pretty much bites.

However, some limited benefit plans have much higher limits, and they work with a PPO to contain costs. I.E. they pay according to a 'schedule', and doctors who agree to be in the network have agreed to keep their costs within that schedule.

Limited Benefit plans also tend to ease up on the underwriting. They accept diabetics, people with recent heart conditions, and older people. They also tend to cost a lot less than the state risk pool. So for many working people, a limited benefit plan may be their only option.

So - the point is - if you cannot qualify for major medical because of health conditions or costs, limited benefit health insurance plans can be an option to consider. It is important to consult with a licensed agent - ask lots of 'what if' questions, and make sure the company is a highly rated company.

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