For many health insurance advisors, the world of limited-benefit health plans is considered foreign territory. Questions about administration, implementation and return-on-investment are common. Many advisors find themselves asking "is offering a limited-benefit health plan worth my client's time and energy?"

The answer is — if you're offering the right plan to the right client — definitely. A good limited-benefit health plan should provide maximum value to its members and require minimal time and effort from the employer.

Recruit, retain and reap the rewards
The value of a limited-benefit plan lies in its ability to cover common day-to-day medical expenses (things like office visits and antibiotics) with a reasonable amount of coverage for unexpected illnesses and accidents. A good limited-benefit plan helps an employee offset the cost of routine medical care and plan for ongoing health expenses — at an affordable price.