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What is Limited Benefit Medical?

Hospital and medical charges have risen significantly in the past few years. Major medical healthcare plans may not pay for all medical costs. Deductibles, co-insurance, and out of pocket expenses can accrue when an individual becomes sick or hospitalized. Limited Benefit Medical plans pay a lump sum daily benefit (up to the maximum benefit amount) for each day an individual is confined in a hospital. The key features of the plan include

  • Guaranteed acceptance regardless of current state of health
  • First Dollar Coverage
  • Benefits can be used in any way an individual chooses – to cover additional costs like deductibles, co-pays or other out-of-pocket expenses, or to cover household or childcare expenses while hospitalized
  • Benefits are payable in addition to any other insurance that may apply
  • Benefits are payable directly to the individual
Plan benefits

Accidental Death & Dismemberment, Diagnostic, X-ray and Laboratory, Outpatient Surgery, Home Health Care benefit, Hospice Care benefit, Intensive Care benefit, Outpatient Surgical benefit, Post-hospital Recovery benefit, Inpatient Benefits, Outpatient Benefits. Benefits are subject to the policy limitations and exclusions. Refer to the policy, certificate, and riders for complete details.

ACA DISCLAIMER

THIS INSURANCE PROVIDES LIMITED BENEFITS. LIMITED BENEFITS PLANS ARE INSURANCE PRODUCTS WITH REDUCED BENEFITS AND ARE NOT INTENDED TO BE AN ALTERNATIVE TO OR INTEGRATED WITH COMPREHENSIVE COVERAGE. FURTHER, THIS INSURANCE DOES NOT COORDINATE WITH ANY OTHER INSURANCE PLAN. IT DOES NOT PROVIDE MAJOR MEDICAL OR COMPREHENSIVE MEDICAL COVERAGE AND IS NOT DESIGNED TO REPLACE MAJOR MEDICAL INSURANCE. FURTHER, THIS INSURANCE IS NOT MINIMUM ESSENTIAL BENEFITS AS SET FORTH UNDER THE PATIENT PROTECTION AND AFFORDABLE CARE ACT. IF YOU DON'T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE ADDITIONAL PAYMENT WITH YOUR TAXES.

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