A Medical plan covers your employees for their Medical Cost ONLY! These costs would include, but not be limited to Doctor visits, Hospital stays, Emergency Room care.
Dental plans can be purchased separately or as a rider to a Medical Plan. The plans vary dramatically between carriers, and depending on the plan, can be paid for 100% by the employee. A dental plan could be a "Discount" plan, or a "Reimbursement" plan.
Vision plans can be purchased separately or as a rider to a Medical Plan. The plans vary dramatically between carriers, and depending on the plan, can be paid for 100% by the employee. A Vision plan could be a "Discount" plan, or a "Reimbursement" plan.
This type of insurance is in addition to any other insurance plans you may have. The benefits they pay are in addition to any benefits paid for by other Insurance plans. In most cases these types of plans pay directly to the "insured" according to a schedule that is set up in the plan. These plans are usually paid for 100% by the Employee. Types of Supplemental insurance available are: