Excerpt: Think of mini-meds as the flip side of catastrophic coverage: instead of forcing employees to pay out-of-pocket for smaller expenses while guarding them against huge outlays in the event of serious illness or accident, mini-meds instead pick up the tab for low-cost, routine forms of health care such as doctors' visits, immunizations, X-rays, and emergency-room charges, but impose strict annual caps on payouts.  MORE >>