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Comprehensive vs. Scheduled Health Insurance Plans

There are many formidable difference between comprehensive and scheduled health insurance plans.

Comprehensive Health Insurance Plans
pay a percentage of the cost of hospital and physician charges after a deductible (usually applies to hospital charges) or a co-pay (usually applies to physician charges, but may apply to some hospital services) is met by the insured. These plans are generally expensive because of the high potential benefit payout $1,000,000 to 5,000,000 is common and because of the vast array of covered benefits.

Scheduled Health Insurance Plans are not meant to replace a traditional comprehensive health insurance plans and are more of a basic policy providing access to day-to-day health care such as going to the doctor or getting a prescription drug. In recent years in the USA, these plans have taken the name mini-med plans or association plans.

The term "association" is often used to describe them because they require membership in an association that must exist for some other purpose than to sell insurance. These plans may provide benefits for hospitalization and surgical, but these benefits will be limited. Scheduled plans are not meant to be effective for catastrophic events. These plans cost much less than comprehensive health insurance. They generally pay limited benefits amounts directly to the service provider, and payments are based upon the plan's "schedule of benefits". Annual benefits maxima for a typical scheduled health insurance plan may range from $1,000 to $25,000.

This description is authored by Lewis Fink and appears at
 http://en.wikipedia.org/wiki/Health_insurance#cite_note-48

 

 


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