It depends on the plan. There might be a minimum per event threshhold to meet before the plan will pay. Dr. offices will usually charge (you) much less if they are not submitting to insurance - hey, wonder why they charge more for the very same visit for an insured patient vs. uninsured patient?!?
Does it function primarily as catastrophic coverage only? Have not really understood the full scope of how these types of plans work.
It depends on the plan. There might be a minimum per event threshhold to meet before the plan will pay. Dr. offices will usually charge (you) much less if they are not submitting to insurance - hey, wonder why they charge more for the very same visit for an insured patient vs. uninsured patient?!?
I think you can use them as you see fit. I don't use it because there are others in need who need it.