Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
A “health care program” is usually a maintenance program – it doesn't usually cover “major medical” issues, such as you coming down with cancer. But you'll have to read the fine print on the program itself, to see what is and is not covered. THEN you have to figure out which doctors work in the program, and how long/hard it is to get in to see them.