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We make it easy to get friendly, personal and help with health care reform questions with two fast and free support options:

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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Mini-med insurance

affordable coverage for the medical services you use most often

revised 11/3/2015

Mini-med insurance, also called defined benefit insurance or limited benefit insurance, has been the fastest growing type of health insurance in the U.S. over most of the past decade. The reason for its popularity is likely because it covers routine medical expenses without a deductible and the premium price is lower than major medical insurance. The risk is that the insurance will not pay the cost of rare but expensive medical procedures.

The key distinction under health reform law is that mini-med plans do not include "essential benefits" as defined under the law and are therefore excepted benefits not subject to most reform laws.

Some mini-med policies are "guaranteed issue"; that means they are available to all applicants regardless of medical history. Others use medical screening questions to accept only preferred risk applicants. Coverage is valid for any doctor or hospital but billing may be simplified by using a network provider.

Core Health Insurance has been the most popular mini-med plan here at Freedom Benefits for several years. Value Med and Value Access Guarantee also offer a strong menu of benefits and are worth consideration for those who qualify.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.