Hospital only plans are a pretty bad idea. The costs of out-patient services can be tremendous over time, and most medical care is delivered that way, short of major surgery or a catastrophic incident. After you're "patched up" at a hospital, you usually get doctor care in their office or in another non-hospital setting. Insurance will cover none of that.

I have Blue cross blue shield of NC, A PPO Plan.

I pay 210 a month, 1,000 deductible. Office visit copay, ER copay, all that good stuff.

I DID have a hospital only plan for awhile, but it was really a waste of money. I like MY doctor, my GYN provider, and my ins allows me to see who I want when I want.

You are TRULY better off with a PPO, or regular style health insurance plan.


You can also buy a policy BY YOURSELF without an agent, if you are wanting to look at your options.

That is what I have done, I went straight to the ins company.