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Are limited health indemnity insurance palns worth it?

The company I work for used to offer major medical. Now they offer this limited plan for 28 dollars a week for employee only. It only cover 6 office visits per calender year up to 100 dollars per visit with a 500 dollar maximum for prescriptions. Is this even worth it?

Public Comments

1. Chances are that you may only be vising a doctor 2 times a year. For these two visits you will be paying $336 a year. And you will still have to pay anything above $100/ visit. What if you get a major disease? This is TRULY what you want to be covered for - not the little things. Little things can easily be paid out of pocket from you. It's the catastrophic ilnesses that you want to protect yourself from. Things that can run 100,000 in medical costs. This plan is junk. You need something to cover catastrophies so you don't have to declare bankruptcy if anything happens to you /
2. If you're relatively young, and in good health, for the same money you can get a really GOOD private health insurance plan. So, I guess it depends on YOU. The only way to find out if this is a good deal for you, is for you to talk to a local agent, and see if they can match that rate for a better plan. The plan you describe, is a pretty crap plan for the money.
3. Even with this plan, you would still need real health insurance for hospital stays, etc. Since you need real health insurance anyway, and there is no need to get two plans, your best option is to get only real health insurance and not this plan.