A Limited Benefit plan is not a comprehensive major medical plan, nor is it intended to replace a major medical plan. The plan is intended to provide you, and your covered dependents, with basic insurance coverage that is capped at specific amounts for specific services.
Under the Standard BasicCare plan, you may visit any doctor or hospital for treatment, and your enrolled dependents may receive the same benefits as you. BasicCare also offers:
- Guaranteed acceptance
- No exclusions for pre-existing conditions
- No deductibles
- Negotiated rates when using a doctor within our nationwide network
- Covered doctor visits, x-rays, lab work, prescription drugs and limited hospitalization
Will I have to change doctors?
No, you are free to use any licensed doctor or dentist, or any certified hospital. However, under the medical plan you can save money by using an Limited Benefit plan in-network provider.
A visit to a podiatrist is a benefit covered by most insurance plans. However, there can be restrictions due to changes in recent health care coverages.