PJP Health Agency serves customers in 45 states nationwide, providing them with cost-effective ways of accessing medical plans. Unfortunately, not every consumer can afford a major medical plan. PJP HealthAgency agents have experience in seeking out quality policies that meet specific health care budgets.
In securing a cost-effective health insurance plan, healthy patients who do not need to visit the doctor often may consider catastrophic coverage. While this type of coverage does not extend to check-ups and routine tests, it provides for major medical expenses and hospital visits in case of an accident or serious illness. The majority of people who hold catastrophic health insurance are self-employed and lack sufficient medical insurance benefits. They are seeking an affordable hedge against the possibility of major medical bills in case of an unexpected health crisis. It is important to note that this form of coverage, while extending to surgical treatment and X-rays, does not include maternity or mental health care. The relatively low premiums are reflected in high deductibles. This means that in cases requiring hospitalization, the extra medical costs may exceed the savings associated with the plan.
Another option for people under a tight budget are limited medical or “mini-med” plans. These plans place a strict maximum dollar amount on care. For example, the limit for a night’s stay at the hospital might be $1,000, while a single doctor’s visit might be capped at $60. In addition, there are a designated number of occurrences, past which the coverage no longer applies.
PJP Health Agency agents recommend major medical plans if at all possible, but realize that strict underwriting standards for comprehensive coverage (and the significantly higher premiums involved) frequently make limited or catastrophic care a viable short-term solution.
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