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Advantages
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- Added
preventive care services and eye-glasses on
some plans.
- Usually
offers discounts on prescription drugs, dentists,
chiropractors, and hearing aids.
- No
“Lifetime Reserve” limit on hospital
days in most cases.
- No
bills or claim processing.
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Disadvantages
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- You
must see your Primary Care Physician (PCP)
first, except for out-of-area emergencies
and urgent care.
- No
benefits are paid for out-of-network medical
services.
- You
must use specialists referred by PCP.
- You
are required to pay small co-payments for
medical services.
- Not
available in all areas.
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