| Benefits |
Plans
offered pay from $2,000 to $20,000 a
year toward medical care. The $2,000
plan mainly covers hospital care and
limits emergency room payments $1,000.
An additional $400 would be paid for
diagnostic tests and $200 for
prescription drugs. Five doctor visits
are covered. The $20,000 plan limits
outpatient care to $2,000 annually. No
daily cap on hospital room costs, but
$2,000 limit on hospital services, such
as X-rays, drugs and surgical supplies. |
The
company does not set annual payout caps,
but policies do limit payments for
individual services: Depending on policy
chosen, insurer pays from $20 to $125
per doctor visit; $20 to $1,000 per
test; $100 to $5,000 a day in hospital;
$500 to $5,000 per in-hospital surgery;
$50 to $500 per emergency room visit. |
Coverage
ranges from $25,000 to $100,000 a year.
Hospital payments subject to a per day
maximum of $750 a day, or in the
intensive care unit, $2,000 a day. Co-pay
is $25 to see a doctor. Some plans limit
doctor visits to 5 annually for adults
or 7 per child. |
Plans
vary, but generally range in coverage
from $2,500 to $10,000 per year. No
limit on daily maximum payment for
in-hospital care, although patient pays
70% co-insurance for hospitalization.
There are annual limits below the year's
total for outpatient care: A $5,000
annual limit plan, for example, allows
up to $1,250 in outpatient care each
year, which includes doctor visits,
emergency care, drugs and tests. The
remaining $3,750 for in-hospital care.
|
Plans
limit benefit to a dollar amount ranging
from $10,000 to $30,000, without
separate limits on hospital and
outpatient care. After reaching the
annual maximum, payment stop until
patients' medical bills reach a pre-set
amount, ranging from $25,000 to $100,00,
when insurance payments then resume. |
