As the cost of comprehesive major medical insurance continues to increase, many people are looking for alternatives. CMM coveres most types of treatments in most locations - the hospital, the doctor's office, labs and clinics. The coverage is complete, but it may be beyond your means.
As the name implies, hospital/surgical plans cover your treatment costs primarily when you are an in-patient in the hosptal - although some plans cover a limited number of out patient expenses. These plans may be considerably less expensive and can protect you against the huge expenses that a hospital stay will generate. They could be a good option if standard health insurance has become too expensive but you want some protection against a catastrophic illness or injury.
I recommend hospital/surgical plans to those who cannot afford more traditional coverage but it's important to realize that you will be self-insuring against out-patient expenses - that means, you will pay for them out of your pocket. That may be a good move, as long as you don't suffer from any chronic conditions that require regualr treatment.
Talk with an insurance professional before making a change to your insurance coverage. No one likes "ugly suprprises."
