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Limited-benefit plans are medical plans with much lower and more restricted benefits than major medical insurance, but with lower premiums. Limited-benefit plans include critical illness plans, indemnity plans (policies that only pay a pre-determined amount, regardless of total charges), and “hospital cash” policies. These plans are not regulated by the Affordable Care Act and are not suitable to serve as a person’s only medical coverage. But in some cases, they can be a good supplement to a high-deductible major medical plan.
10 essential benefits are now standard on all new individual and small-group health plans. What do they mean for you?
Sweeping health reform legislation delivered a long list of provisions focused on health insurance affordability, consumer protections.