Preventative care plans are great for keeping insurance costs at a minimum. Many people, however, choose to use this as a supplemental form of care to a major medical insurance policy. There are many forms of secondary insurance on the market and the right one for you may take some diligence and research to find. If you want a preventative care plan then you should get one. There is nothing that says you can’t get as much insurance as you want. You should however make sure that it isn’t redundant with your other policy. Most major medical insurance plans cover a good amount of regular visits anyway, which is why it might not be the best choice.
You may have a major policy that is actually not good enough in the preventative care area. Some preventative issues are cancer screenings or other procedures. These are important for maintaining health and should be covered somehow. If you find that your major medical insurance is inadequate, then by all means get a preventative care plan to combine with it. Just like how selected your primary policy, you should shop around and compare prices to make sure you get the best deal possible. If you used an insurance broker to get your major plan, they may be able to help you get another one as well.
Again, the best thing you can do is understand as much of your primary insurance policy as policy. Knowing everything covered by the major medical insurance plan will allow you to target its weaknesses, and select supplemental insurance to fill the gaps. While most major plans will have a lot of coverage for preventative care since that keeps there costs low, some don’t. If you really want another plan then you should consider one of these alternative options. They too could save you a bundle of money in the long term.