Insured but not covered

The market is flooded with ‘affordable’ health plans, but many involve large co-payments and don’t even reduce the wait for treatment

When Kevin Cumiskey was notified that the price of his family’s health insurance was increasing, he paid extra money. He did not want to take any risks.

He accepted that he’d have to pay out of pocket to see a specialist or hospital consultant. He even accepted having co-payments for the health insurance plan that he purchased.

But he did not envisage being told that his family’s health insurance policy did not fully ...