If you are unable to obtain major medical insurance because of a health condition, a Mini-Med limited benefit indemnity plan should be considered.

Mini-Med is a limited benefit indemnity health insurance plan issued with very few restrictions through age 64. Medical bills are submitted to the insurer for reimbursement up to the limits of the policy. The Mini-Med policy can be used with any medical provider and is not limited to any specific PPO network.

Most Mini-Med policies include reimbursement for in-patient hospital and outpatient procedures, surgical benefits, doctor visits, emergency treatment, and life and accident insurance benefits. All allow you to choose your desired level of coverage.

Mini-Med plans do not use deductibles or co-pays like standard health insurance plans, most have a 12-month waiting period for pre-existing conditions, including pregnancy, and the plans require you be employed or self-employed.

Doctor Access
Access to doctor and hospital providers at wholesale (discount) pricing through PPO Networks is usually provided. To receive discounts (repricing) you must use a provider within the designated network.

To receive maximum benefits from a Mini-Med Insurance Policy, always try to use a PPO network provider.

The discounted bill can then be submitted to the insurance company for reimbursement. If you don’t use a network provider you can still submit for reimbursement, but you won’t receive a discount. Most plans include access to additional health discounts including dental, vision, prescriptions, plus other benefit options.

Mini-Med plans generally contain specific annual and per condition benefit limits. If you are currently covered by a major medical insurance plan, Mini-Meds should not be considered as a replacement.

AAA Helps You Plan Ahead