What is a base plus plan?

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Asked August 2, 2010

1 Answer

A base plus plan is a two part type of health insurance. It consists of basic, or base coverage, and an extended coverage, hence the term base plus.

The first part of the plan covers basic medical needs such as hospitalization, x-rays, and doctor's visits. This part of the plan does not have any deductibles or copayments. The disadvantage is that you will have to adhere to certain limits, such as the number of times you may visit the doctor, or how many times a certain type of procedure may be performed. Once you have exhausted those limits, your treatment for otherwise base services is transferred to the plus side of the plan.

The second part of a base plus insurance plan covers everything that is included in your insurance, but not considered a basic medical need. This could include going beyond limits of the basic plan, or specialist services, prescriptions, or other things. This part of the plan requires you to participate in the payments through copays, deductibles, or direct patient-paid fees.

Since all health insurance plans vary from company to company, you will need to contact your health insurance to find out exactly what the base coverage includes and any limits attached to it. Make sure that you understand how your deductibles will be applied, and what to expect in the way of copayments when they are necessary.

Answered August 2, 2010 by Anonymous

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