Basic Surgical Insurance Plans

A separate form of insurance, basic surgical, is usually sold with other forms, particularly the basic hospital expense forms. This coverage is typified by a schedule of benefits indicating the maximum amounts payable for each operation. For example, a $500 schedule might provide $500 for an excision of an intracardiac tumor, $138 for an appendectomy, and $18 for the closed reduction of a dislocated elbow. Benefits under this coverage are for surgeon’s fees and not for hospital expenses.