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Limited Medical Insurance

Limited Medical Insurance is supplemental insurance that pays you fixed benefits to help with every day medical expenses. Get to know more details about this type of insurance here.

What is Limited Medical Insurance?

Limited Medical is supplemental insurance that provides fixed benefits to help with day-to-day medical expenses. You can use its benefits alone or in addition to your primary insurance to give you extra help with those unavoidable out-of-pocket charges and other costs that major medical does not cover. 

Your Limited Medical insurance will pay you a predetermined, set amount for common inpatient and outpatient services like doctor and wellness visits, daily hospital room, surgery, diagnostic, and ambulance service. Benefits that the typical individual can take advantage of. Depending on the plan you select, they may also contain coverage for accidental death, fracture, burn, and critical illness. 

There are no deductibles or coinsurance for Limited Medical coverage, and you can use the payments from your Limited Medical insurance to help pay the deductibles and coinsurance from your major medical plan. 

If you have a high-deductible health plan, you can get coverage with Limited Medical insurance even before your primary coverage kicks in. 

Why do I need Limited Medical Insurance?

Limited Medical Insurance

Everyone needs medical attention, and even with a comprehensive primary insurance plan, the cost of healthcare is still expensive. Whether you have a high deductible major medical plan and need something to bridge the gap until the deductible is met or just need a little help controlling out-of-pocket costs, Limited Medical Insurance can be your solution.  

Limited Medical Insurance Benefits

Outpatient Benefits Include:

  • Physician Office Visit
  • Wellness Benefit
  • Emergency Room
  • Diagnostic, X-ray and Lab Benefit
  • Outpatient Surgery
  • Ambulatory Surgical Center
  • Ambulance Services
  • Accidental Death
  • Dislocation Benefit
  • Fracture Benefit
  • Burn Benefit
  • Critical Illness

Inpatient Benefits Include:

  • Hospital Confinement
  • Intensive Care
  • Inpatient Surgery
  • Anesthesia
  • Continuous Care
  • Substance Abuse
  • Mental Illness

Frequently Asked Questions

What are supplemental health plans?

Supplemental health insurance is meant to work with your primary insurance plan to help pay some of the costs your primary plan does not coverIt usually has no copays or deductibles and pays a fixed cash benefit. 

Are there different types of supplemental health plans?

Yes. There are plans for specific conditions like cancer and other serious illnesses, as well as accidents, accidental death, dismemberment, or hospitalization. These typically provide cash benefits in the form of a lump amount. In addition, limited benefit plans pay predetermined benefits for various medical needs such as doctor visits, ER, diagnostic tests, and x-rays. 

What is accident insurance and why should I consider purchasing one?

Almost everyone will experience an accident at some point in their lives. However, the severity of the accident will vary from case to case. If you are in an accident that requires medical treatment, such as a fractured bone or serious burn, you might need additional money for a number of unforeseen expenses, like an ER visit, renting crutches, or even hiring someone to help with chores if you were temporarily disabled. 

Accident insurance pays predetermined benefits for covered accidents, with no coinsurance or deductibles. You are free to use your benefits however you see fit. They can even be used to help cover coinsurance or deductibles from other insurance plans. 

Choosing Limited Medical Insurance

Simple Choice Insurance is here to help you understand your health insurance options for you and your family. For more information about Limited Medical Insurance, call us at 832-626-7791.

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