Learn the difference between scheduled and comprehensive benefits:
Scheduled Benefits
- Pricing is typically cheaper than comprehensive coverage.
- You pay less upfront for insurance and absorb more of the cost later.
- This plan has a medical limit for each injury or sickness.
- Payments are limited for each type of medical treatment or benefit.
Example: Your medical limit is $65,000. The payment for a physician’s non‐surgical visit is limited to $65 per visit. If your bill is $100, the most we pay is $65, and you pay the remaining $35.
Comprehensive Benefits
- Pricing is typically more expensive than scheduled benefits.
- You pay more upfront for insurance and receive greater coverage of costs later.
- This plan has a medical limit for your coverage period.
- There are no fixed payment limits for each type of medical treatment or benefit.
Example: Your medical limit is $50,000, with no payment limit per visit for a physician’s non‐surgical visit. If your bill is $100, the most we pay is $100, leaving you with no remaining costs.
This example does not account for deductibles or coinsurance nor does it consider that prior payments may have been made.