Value Health Insurance benefit payments

KM | June 30, 2008

Q: What is the difference between the "Classic",  "Silver", "Gold" and "Platinum" plans for Value Health Insurance?

A: The difference is the maximum amount the insurance policy pays for each type of covered medical expense.  The different levels are offered to allow you to buy the insurance amount that fits your budget. Value Health is called a limited benefit policy for this reason; it pre-defines the dollar amount of coverage offered. As an example, the "Silver" plan pays up to $2,000 per day for intensive care hospital charges, the "Gold" pays $3,000 and the "Platinum" pays up to $4,000 per day intensive care hospital charges per day. See the brochure for your state for the full table of benefits for other types of medical expenses. (Not all of the benefit levels are offered in all states).

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