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I wanted to put this in a new thread as there are a couple of other threads dealing with this but not in the way I want to explore it, exactly.
I am with the majority in agreement that it is not a good idea to substitute a mini-med plan for real major medical. However there is one situation (here in CA) where I am curious if my idea has any merit.
Uninsurable not HIPAA or group eligible obviously can go to the state's MRMIP major risk pool for coverage (not that much greater than mini-med, sadly). But, CA currently has a 4-6 month minimum wait to get into the program if not longer.
My idea is that since they cannot obtain any real major med until the MRMIP enrollment, would it make sense to offer them a mini-med plan pending the enrollment in the MRMIP?
While not the perfect situation, they will be fully un-insured in the period until major risk can enroll them.
I am getting tired of submitting MRMIP applications for people and dreading that something happen to them during the wait.
Like I said, not recommending as a permanent solution, just kind of short-term coverage until MRMIP can get them in the risk pool.
Thoughts?
I am with the majority in agreement that it is not a good idea to substitute a mini-med plan for real major medical. However there is one situation (here in CA) where I am curious if my idea has any merit.
Uninsurable not HIPAA or group eligible obviously can go to the state's MRMIP major risk pool for coverage (not that much greater than mini-med, sadly). But, CA currently has a 4-6 month minimum wait to get into the program if not longer.
My idea is that since they cannot obtain any real major med until the MRMIP enrollment, would it make sense to offer them a mini-med plan pending the enrollment in the MRMIP?
While not the perfect situation, they will be fully un-insured in the period until major risk can enroll them.
I am getting tired of submitting MRMIP applications for people and dreading that something happen to them during the wait.
Like I said, not recommending as a permanent solution, just kind of short-term coverage until MRMIP can get them in the risk pool.
Thoughts?