Opposition of Limited Health Plans

Over 1 million American citizens with the controversial limited health plan or the mini-med policy believe they have a health plan that will financially support them if the unthinkable happens and they become seriously sick or injured. Unfortunately, the health insurance doesn’t. Some health insurance isn’t better than having no insurance, it’s actually worse because people have misleading expectations and false assurance; they don’t realize how limiting the coverage is.

Opponents of the new health care plan are fighting to change some of the early conditions of the law. Administration members who passed the health plan law believe that the benefits in the new health care plan were better than nothing but will create more extensive plans by 2014.

Large companies such as McDonald’s sought a waiver (which only lasts one year) from the new health plan law to continue providing plans that offer at least $2,000/year in benefits. These older plans are more affordable for many of the part time and low wage earning employees.  

Health insurance companies such as Aetna and Cigna don’t clarify what is covered or not covered. Some health plans actually cover less than the amount they claim they cover and have fine print that limits the price of doctor’s visits or hospital stays. These patients can become dangerously ill or injured as well as deep in debt. Health benefits and policies are very complex. Both Aetna and Cigna are trying to improve customer understanding and inform patients what they are buying, what benefits and coverage is included before purchasing a plan.

People who are uninsured may be at an advantage over those who have the limited health plan and can seek large discounts or free care from the hospital.

If you are an employer who purchases NY Health Insurance or NJ Health Insurance, you should probably call up your health insurance company and go through your employee coverage. Business insurance quotes, business general liability coverage, New York business insurance, General liability insurance in New York, Workers compensation insurance Queens, Brooklyn business liability insurance, agencies for workers compensation insurance, and business insurance agencies will be affected.