What is a base plus plan and its advantage?
Top A base plus plan is a two-part health insurance plan. Basic medical coverage such as hospitalization, surgery, physician’s visits, diagnostic laboratory tests and x-rays are provided under the first part. The employee is reimbursed starting with the first dollar of expenses and there are no deductible or coinsurance applied to the covered expenses. However, there may be limits on these expenses, such as a limited number of hospital days or allowable surgical procedures. The second, which is the major medical part of the plan, covers other health expenses. Usually, this coverage is broad with fewer limits; however, a deductible is required before the employee is reimbursed for expenses. The base plus plans appear to provide more generous benefits because of the absence of deductibles and coinsurance for the first part of the base plus plan.
