Major Medical vs Mini Med plans

Many insurance sales people call on the people that choose DentonHealth.com as their health insurance specialist. I hear some of them say, " this person said I could get coverage for only $58" My response is alway, coverage for what? The problem here is not the $58 plan is is what is the $58 plan. In most cases it is a hospitalization only policy. This means that if you are ADMITTED to a hospital THEN it pays a daily rate. Some of these policies include additional coverages for ICU stays, or Dr. visits, ambulance services, etc. These are not Major Medical coverages. In my opinion, these policies have a place but only after you look at a Major Medical option. I would recomment you view these only if your budget can not afford a high deductible plan. Your preferrences will help a good agent direct you to the appropriate insurance plan that fits your needs