FREQUENTLY ASKED QUESTIONS
does my Limited Medical Plan work?
ALTA offers two
different insurance plan designs. Indemnity plans and
Co-pay plans with Coinsurance. Both plans include an assignment
of benefits provision. Benefit amounts for reimbursement
or assignment to providers are shown within the Schedule
of Benefits. If you utilize a PPO provider or hospital,
your fees/charges for services will be reduced. Co-Pay
and Coinsurance plans are unique to the extent they mirror
traditional managed care plan designs, with limits on
a per occurrence basis. Limited Medical
Plans are not Major Medical plans.
Does this Plan cover maternity?
Maternity is covered the same as any other illness, and
the plan will pay benefits out for whatever line of coverage
it falls under, subject to the limits of the plan.
If I have other coverage, will my Limited
still pay benefits?
Limited Medical Plan pays in addition to any other
health insurance plan you may have. (subject to policy
Is this Major Medical coverage?
This is not major medical coverage.
Which doctors and hospitals may I use?
are free to use any licensed doctor or any certified hospital
in the United States. You may also choose to go to a PPO Network Provider and receive discounts for hospital
and physician services.
Why should I use a PPO Network provider?
can reduce your out-of-pocket expenses because the PPO
Network provider will charge a discounted fee for his
or her service.
• Am I allowed to assign my benefits to my
Benefits are fully assignable to your Healthcare Provider.
What pharmacies can I go to?
Health Plans include a national network of over 58,000
providers nationwide, including but not limited to those
found at Walgreens, CVS, Albertsons and Target stores.