The health care dilemma - it seems like you can't afford it and you can't afford to be without it. The Limited Benefit Medical Plan offers employees an affordable alternative to the high cost of health care.
In the event of a covered accident or sickness, you can take comfort in knowing you're protected. Under the health indemnity plan, you have affordable coverage that provides complete freedom to choose your own doctor, specialist, hospital and pharmacy.
Like other indemnity plans, you are responsible for paying your medical costs at the time of service. You then file a claim for reimbursement from the plan. But, unlike most indemnity plans, you don't have to pay a deductible before benefits are paid - you get reimbursed right away. Many physicians, however, will verify your coverage and accept a reimbursement assignment from the plan, which will reduce the amount you have to pay at the time of service by the reimbursement amount. If you or a covered dependent have a pre-existing condition, there is a 12-month waiting period before health benefits become payable for such condition.
- Choose your own doctor, specialist, hospital and pharmacy.
- Pay medical costs at time of service
- File a reimbursement claim
- 12 month waiting period for pre-existing conditions
Benefits Covered
- Diagnostic X-Ray and outpatient lab services
- Dr. office visits
- Accident benefit
- Daily in-hospital Benefit
- Surgical benefit
- Anesthesia Benefits (for covered surgery
- Prescription Drug Benefit
- No Annual Deductible