(An Alternative other than Major Medical Insurance)

Why choose limited medical insurance plan?

A limited benefit plan can help defray health care costs and, with the wellness care benefit, encourage a more proactive approach to health care.

You may have been declined for individual major medical coverage due to illness or injury. Limited medical plans are generally guaranteed issue, meaning that you cannot be turned down for coverage due to a pre-existing condition. Most have access to PPO network at no additional charge. Although you are free to choose any provider for medical services by selecting a provider in the network, you will receive a discounted rate for medical care by staying in network.

Limited medical insurance may be the right choice for people who:

  • Have been denied coverage by an individual major medical plan due to health or occupation
  • Need a plan with lower monthly premiums that offers day-to-day health care benefits and access to provider discounts
  • Would like a plan with first-dollar benefits to supplement a major medical plan with a higher deductible or coinsurance out-of-pocket

Limited medical insurance plans are:

Guaranteed issue – No medical exams or health history investigation at enrollment

Valuable – Coverage for everyday health care as well as for the unexpected hospital confinement or surgery

Affordable – Choose one of three plans, all with defined benefits that keep premiums lower and stable

Limited benefit health insurance plans differ from comprehensive major medical insurance. Most plans pay stated benefit amounts, such as $75 for a doctor office visit or $1,000 per day of hospital confinement. Provider charges in excess of the stated amounts are your responsibility.

While you have the flexibility to choose any provider, the discounts available through network providers help to lower your out-of-pocket costs. Providers give negotiated discounts, which are reflected in your final bill.

For more information on limited medical plans and to apply click here

For more information on supplemental products that work with limited medical plans click here (go to sheet…supplemental and gap plans)

For support products & services with limited medical plans click here.

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