What is a base plus plan?
A base plus plan is a two-part health insurance plan. Basic medical coverage — for such expenses as hospitalization, surgery, physician’s visits, diagnostic laboratory tests and x-rays — is provided under the first part. There may be limits on these expenses, such as a limited number of hospital days and a surgical schedule, but no deductible or coinsurance applies to the covered expenses. The employee is reimbursed starting with the first dollar of expenses. The second, or major medical, part of the plan covers other health expenses. The coverage is broad, with fewer limits; however, a deductible is required before the employee is reimbursed for expenses.
