Scheduled vs. Comprehensive Medical Plans: Which Do You Need?

  • Julia Peterson
Aug 21, 2017

The biggest difference between our main travel medical plans is the difference between a comprehensive plan and a scheduled benefits plan. This difference is pretty substantial, so you may want to know what you’re looking at before you purchase. Plus, it just makes travel insurance a lot easier to understand! Check out this quick guide that will help you decide which plan you need.

Comprehensive Benefit Plans:

These plans are fairly straight-forward. You’ll see on our website that you can choose your medical maximum, deductible, and then coinsurance. The coinsurance is the percentage that we’ll pay and the percentage that you’ll pay. For example, you may see that a plan offers “After you pay the deductible, we pay 75% of expenses to the medical maximum.” This means that we pay 75%, and you pay 25% of eligible expenses.  Plain and simple. If it’s covered, you’ll only be paying 25% of your medical bill.

This percentage goes for almost all types of services. Need an x-ray? We cover 75% of the cost. Need to stay overnight in the hospital? We cover 75% of the cost. Some services will not be covered at the same percentage, but those details will be shown in your coverage document. These may include dental, emergency assistance services, and expenses to treat pre-existing conditions.

Scheduled Benefit Plans:

Scheduled benefit plans are more detailed, and often more affordable. For these plans, instead of choosing a percentage, you’ll choose a medical maximum, deductible, and plan type. The plan type, instead of paying a certain percentage, will pay a certain dollar amount for each different service you may need.

For example, in your plan, you may see: “Surgical treatment: Up to $5,800.” This is essentially the limit that we will pay after you’ve met your deductible. Anything over that dollar amount, you would be responsible to pay. The coverage document shows these limits for every type of service you would need. You can always refer to your plan and know exactly how much we’ll pay for everything you need.

So now you can look at the two plans and decide which you need. If you’re looking for an affordable plan that pays certain amounts, you may choose a scheduled benefits plan, like one of our Inbound plans. If you’re looking for something with more coverage all around, you may choose a comprehensive benefits plan, like one of our Liaison plans. Each one can be tailored to fit your needs, and we can make sure you’re satisfied by being able to pick the coverage amounts you think will be best for your family.

As always, Seven Corners is here to help! If you need details or have questions before a purchase, please feel free to reach out to our sales department. You can chat online, or call us at 800.335.0611. 

About the Author

Julia Peterson

Julia Peterson joined the Seven Corners Customer Service team in February 2016. She is known as a writer and photographer, an extrovert, and master of the Rubik’s cube. She works from home in Michigan where she lives with her husband and her orange, half-blind cat, Murphy.

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