Some strategies on finding affordable health insurance.
I’ve been a health insurance agent since 1985. I help Connecticut residents find health insurance and have for the last several years have also managed a website that helps people in other states find medical and hospital policies online.
Over the years I have changed my mind about hospitalization only insurance. These health insurance policies have significant limitations that are not found in the typical health insurance plan. I tend now to help my clients who express an interest in hospital only policies find catastrophic health insurance providers. High deductible or catastrophic medical insurance policies are also low in cost, but have fewer drawbacks.
Why I don’t like hospitalization only insurance:
Hospital stays are getting shorter and shorter. However, people are not necessarily healing any more quickly. The medical care that years ago, you might have received in the hospital during the last day or two of your stay is today care that you are likely to receive outside of the hospital. This care is not likely to be covered. A hospitalization only health insurance plan may...
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