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The Base Plus Plan and the Comprehensive Plan of Blue Cross of Ca
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Blue Cross of Ca provides a type of health insurance plan known as a base plus plan. A base plus plan is basically a health insurance plan that is broken down into two sections- that of basic medical coverage and major medical. Basic medical coverage is the first part of the plan and that covers things such as visits to the doctor’s, x-rays and laboratory tests, hospital stays and surgical procedures. Sometimes there are limits put on basic medical coverage such as for example a particular surgical schedule or a specific amount of days that you can be hospitalized for.
With the base plus plan, Blue Cross of Ca does not impose a deductible nor does coinsurance play a role when it comes to the health expenses that are covered by the plan. The employee is reimbursed by Blue Cross of Ca beginning with the very first dollar that he or she paid out for expenses. Major medical on the other hand is broad coverage that covers everything else that Blue Cross of Ca offers to its insured members. There are not very many limits imposed however there is a yearly deductible that must be met.
When it comes to a group health plan through a person’s workplace, a base plus plan through Blue Cross of Ca makes lots of sense because it provides a variety of worthwhile benefits and does not carry with it any concerns about deductibles or coinsurance.
Another type of group health plan through Blue Cross of Ca is the comprehensive plan and this plan allows coverage for a variety of medical services with one way of reimbursement always being utilized. With a comprehensive plan there is a deductible to be paid before there can be any reimbursement for expenses covered under the plan. There is also coinsurance to think about which applies until the maximum level of “out-of-pocket expense” limit is reached for the employer. Covered expenses above and beyond then need to be paid in full.
When it comes to a comprehensive plan, employees must share in the cost of their healthcare with their employers which make them more responsible in how they utilize the healthcare system. The patient is often both “cost-conscious” when it comes to necessary and unnecessary medical services as well as “cost-effective” in their thinking in regards to both the healthcare providers they choose as well as the services they seek out. The hospital outpatient services that are generally covered under the comprehensive plan include emergency related treatment, surgical procedures and health services that take place in either the x-ray department of a hospital or the outpatient laboratory.
Learn more at: www.baahealth.com
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