VitalaCare Limited Benefit Medical
Underwritten by: LifeShield National Insurance Co.
A Limited Benefit Medical plan is not a comprehensive major medical plan, nor is it intended to replace a major medical plan. The plan is intended to provide you, and your covered dependents, with first dollar coverage that is capped at specific amounts for specific services. You can use your benefit to pay for medical expenses or for expenses related to your medical event including to help with lost wages.
What is included?
Hospital Stays Benefits
This plan includes a hospital stays benefit - which means you will receive a set amount when you are confined in a hospital. The benefits are paid directly to you or your designee. Plan benefits range from:
- Inpatient Hospital Stay :$100/day, $200/day, $300/day, $500/day, $750/day, $1,000/day
- Maximum Benefit Days (per Plan Year): 30
- Maximum Benefit Amount (per Plan Year): $3,000, $6,000, $9,000, $15,000, $22,500, $30,000
Doctor Visits Benefits
This plan includes a doctor visit benefit - which means you will receive a set amount if you have to visit the doctor due to an accident or illness. The benefits are paid directly to you or your designee.
- Physician Office Visit: $50/visit or $75/visit
- Maximum Visits (per Plan Year): 3 or 5
- Maximum Benefit Amount (per Plan Year): $150, $250, $375
A telemedicine solution that solves the three biggest issues in healthcare: Access, Cost, and Quality:
- 24/7 availability
- Available in all states
How it works
- Request a visit with a doctor 24 hours a day, 365 days a year, by web, phone, or mobile app. Want to see the doctor? Choose “video” as the method for your visit. Feeling camera shy? Choose “phone.” Got a busy schedule? Select a time that’s best for you by choosing “schedule” instead of “as soon as possible.” We’ll search our national network of U.S. board- certified physicians, dermatologist and therapists and pair you with a doctor licensed in your state. The doctor will review your medical records. Your medical history provides valuable information to the doctor regarding past conditions, medications, allergies as well as information about your family’s medical history.
- Talk to the doctor. Take as much time as you need…. there’s no limit! We lead the market with the industry’s most comprehensive suite of telehealth services. You can receive convenient, quality care from a variety of licensed healthcare professionals.
- If medically necessary, a prescription will be sent to the pharmacy of your choice. Receive the treatment you need in a timely, expedient manner. In addition, you have the ability to send your visit results to your primary care physician.
Just call 1-800-Teladoc and provide your Teladoc account information.
Karis360 takes the hassle out of healthcare by helping members with questions about insurance claims, medical billing, and where to go for care:
- Concierge services for members so they don’t have to deal with their healthcare questions and issues alone.
- Unlimited assistance from a Personal Advisor who works directly with a member’s healthcare providers to help reduce their out-of-pocket medical bills.
RX Helpline assists members with advocacy and discounts to make prescription medications more affordable.
- Personalized Assistance: Review all possible savings with one of its specialized advocates.
- Real Savings: Members save on average 44% per prescription.
- Instant Access: Receive immediate access to top national cost-savings program for all brand name and generic medications.
Who is it for?
VitalaCare Limited Benefit Medical is ideal for people who are looking for:
- Those who want the freedom to decide how to use their benefit payment
- Those who want the added protection of an indemnity plan
- Those looking to supplement a higher deductible major medical plan