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How to Get a Mini Medical Plan

Contributor
By eHow Contributing Writer
(1 Ratings)

What is a mini medical plan? In insurance terms, mini medical is becoming more and more popular. It's basically a policy that has less coverage than a major health plan: that is, the mini medical plan cuts costs to ensure that a less wealthy or underemployed individual can afford a plan. It's insurance-lite, and as employers cut their portion of health care cost coverage, mini medical is becoming a new reality that people connect to in various ways. Having a mini medical plan can be a good cushion for those who need slight care on a continuing basis.

Difficulty: Moderately Challenging
Instructions
  1. Step 1

    Get hired part-time by a large employer. Some large companies are extending their health insurance eligibility to part-time workers. How can they afford it? With mini medical. Many mini medical policy holders get their premiums deducted from a company payroll; most have the choice whether or not the plan makes economic sense for them.

  2. Step 2

    Research university plans for students. Some schools may offer mini medical plans for students who are newly emancipated and not involved in the workplace or otherwise between coverage; much of school-provided insurance has to do with how many credit hours a student is taking.

  3. Step 3

    Go to an insurance broker. These small individuals insurance companies are liaisons between individuals with single-payer plans and larger health insurance companies. They will find you mini medical plans that you can use.

  4. Step 4

    Make an easy plan switch. If you really feel a mini medical plan is right for you, call up your previous insurance provider and see if they have something in your price range.

  5. Step 5

    Use online resources. Search the web sites of insurance companies for good, effective mini medical plans, keeping an eye on whether the premium delivers enough bang for your buck. Everyone's situation is different, and mini medical may or may not make sense for you.

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