Comprehensive and Scheduled Insurance

When trying to find the right health insurance plan for you, it is important to know that you have options. One of these options involves a choice between a comprehensive insurance plan and a scheduled insurance plan.

A scheduled health insurance plan is meant to cover more of your everyday doctor visits and prescriptions. The patient pays co-pay based on his or her schedule of benefits. While these plans may cover some of the patient’s hospitalization and surgical costs, they are not meant to cover catastrophic events. The maximum payout for the typical scheduled health insurance plan tends to range from $1,000 to $25,000. For this reason, scheduled health insurance tends to cost far less than comprehensive health insurance.

A comprehensive health insurance plan is meant to pick up where the scheduled plans leave off. These plans pay a set percentage of the patient’s hospital or physician costs. This percentage can change depending on the plan. These health insurance plans tend to be much more expensive because of their maximum payouts, which may commonly range from $1,000,000 to $5,000,000.

Contact Option 1 for a Texas Health Insurance Plan

If you are looking for a new Texas health insurance plan, or would like more information about scheduled and comprehensive plans, please contact Option 1 today.