The administrator at the Department of Insurance looked across the table at his subject; a typical retired lady of 60 years of age who we’ll call Mrs. Williams. "There are various medical insurance plans available in the state," he said, "but they are costly." "If you seek a low premium alternative to medical insurance you may opt for a limited benefit plan."

As a senior citizen who did not enjoy the protection of medical insurance coverage, Mrs Williams survived on a pension which left her with too little to pay the high premiums. She had approached several agencies but was turned down on every occasion either due to a pre-existing health condition (she had suffered from angina for some years) or retired employment status, and quite often a combination of the two.

On the advice of the administrator of the marketing agency, she decided to go ahead and enroll in a plan offering health limited but comprehensive coverage.

Unfortunately this is not the end of the story. In her anxiety to get insurance, Mrs. Williams fell into the carefully laid trap by a dishonest merchant who was selling substandard plans. In addition, there were high up front enrollment fees and the end result was that there was really little value to the plan she was offered.

This tale may have been invented for the purpose of making a point, but there are thousands of citizens who have been scammed by immoral agents hoping to make a fast buck without putting their client’s needs first. The simple fact is that the insurance business is a high-competition industry that is growing all the time. The ability to make a quick sale is sometimes just too appealing to these ruthless individuals.

People often confuse limited benefit health insurance plans often called “referral plans" with true health insurance policies. Limited benefit health plans can provide benefits to customers at a lower level than a real health insurance policy. Typically, the attraction of a discount medical care plan is a very low price compared to the premium for a major medical insurance policy.

We offer what we think is the best limited benefit health insurance. There is no need for "Mrs. Williams" or any citizen in a similar situation to worry about the pitfalls of health insurance. Our discount medical care plan has all the beneficial elements of real insurance and we provide real discounts on services provided by hospitals, doctors, and pharmacies.

Discounts under our discount medical care plan can often be as large as 50% of the total bills payable. Our discount medical care plan provides many of the benefits of a true insurance policy. There is no refusal on pre-existing health conditions or employment status, instant registration and real discounts. Help at your time of need is what we excel at, with the benefits of our limited benefit health insurance available all year round.

Visit Limited Benefit Insurance Plans today for details on our limited guaranteed issue policies.