Isnt there a type of medical insurance for emergencies only?

Question

I cant find anywhere on the internet any such coverage that is only for emergency type medical insurance. I never have to go to the doctor but I want to be covered in case something serious happens...

Answer 1

Search for "major medical" policies, or look into Health Savings Accounts (HSA's).  Major medical insurance covers only major expenses and often have high deductibles.  This, is only for medical and does not include dental or vision as far as I know.  There is no emergency dental insurance that I have ever seen, but if you find it, I would be interested to see restrictions, etc.  There are some reduced fee plans for dentists though, such as Ameriplan.

Answer 2

No, there are no "emergency only" policies. As mentioned above an HSA qualified plan would probably be best for you. You have an option to open a pre-tax savings account with these plans. Visit a local agent that works with all the major companies in your area for more information.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Answer 3

I would encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now for all my health/dental needs. They have saved me thousands of dollars since. From checkups, exams, xrays..etc. All services are included in this very affordable plan. The great thing about it that should be right up your alley is that the benefits are active in 2 hours and I was able to use it the very same day.