Both the basic plus and comprehensive plans have annual deductible provisions which differ in the amount of payments and the covered services. In order to receive full payment according to the terms of the contract, it is necessary to follow all Intracorp utilization and review procedures. Managed care providers offer their services on a pre-paid basis. This means that almost all of a member's health care, no matter how much care is required, is paid for in advance through the premiums which are paid by the University and the employee. Generally, the only additional cost may be a small copayment for certain services, such as doctor's visits, prescriptions, eye exams, etc.
Members can effectively budget health care expenses since payments are fixed in advance.
No record-keeping is necessary since there are no claim forms to complete. These plans emphasize preventive medicine. By encouraging members to seek out-patient care on a regular basis and when symptoms are first noticed, the strategy is to treat medical problems early, before they become serious and the cost of treatment bcomes excessive. However, this approach requires members to receive health care from the doctors, hospitals and other health care providers associated with the specific plan, except in an emergency. Even then, the member is required to contact the Plan within 48 hours and provide information regarding treatment.