WHAT IS THE DIFFERENCE BETWEEN THE BASIC AND OPTIONAL SUPPLEMENTAL BENEFIT?
The main difference is the total maximum benefit: $5,000 under the Basic and an additional $45,000 under the Optional Supplemental. The Optional Supplemental Benefit pays at a rate of 80% of the reasonable and customary charges up to a maximum of an additional $45,000 in excess of your $5,000 Basic Benefit. Under the Optional Supplemental Benefit, you also get partial coverage of outpatient benefits, such as return visits to a specialist, wisdom tooth extraction (up to $150 per tooth) and visits to a physical therapist (50% of expense up to $40 per visit starting with the second visit for up to four visits).
