January 1, 2010

Q: I already have hospitalization coverage, but not medical coverage. I am looking for coverage for medical office visits, etc.
I would also be interested in coverage for chiropractic work and/or neuromuscular massage. However, if this is not available, I would still be interested in medical coverage.

A: ValueMed supplemental insurance may be the best choice since this insurance provides primarily outpatient benefits, like doctors visits and lab test, as opposed to hospitalization. Keep in mind that you may combine two or more supplemental insurance policies like Basic Health Insurance or CoreHealth that provide cash payments under the benefits schedule directly to you that can then be used to help pay for any other uncovered expenses.



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