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Comprehensive Coverage Plans

Comprehensive Coverage Plans (also known as Premium Coverage Plans) offer more expansive and flexible coverage than Economy Benefit Plans (known also as Schedule of Benefit or Fixed Benefit Plans). With a slightly higher cost up front than Economy Benefit Plans, Premium Plans offer a broader spectrum of coverage and include trip protection benefits such as baggage loss or trip interruption coverage. The deductible (usually $100) is applied only once during the life of the policy during your first claim. For any subsequent claim, however, your deductible will not need to be paid again. While Comprehensive Coverage Plans allow you to visit any doctor, it is recommended that you stay within your provider network, as it will save you up to 10% in copay cost. The cost of receiving treatment is split between you and your provider, with you covering the cost of the deductible and copay (usually 10%) out of pocket and your provider covering the remaining cost of treatment. Before choosing between Comprehensive Coverage Plans or Economy Coverage Plans, it is important to assess your budget and your comfort with assuming risk. Those two factors will dictate which plan is best for you.

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