Limited Medical Insurance Coverage
Benefits to help cover out-of-pocket medical expenses
What Is Limited Medical Insurance?
Limited medical insurance pays a set benefit for specific covered medical services such as doctor visits, urgent care, or outpatient treatments.
Is Limited Medical Insurance Right for Me?
Limited medical insurance is designed for people who:
- Need budget-friendly coverage for medical services
- Want benefits that pay regardless of doctor or hospital network status
- Want benefits they can use directly or apply to provider bills
- Are looking for supplemental protection to pair with other insurance
If you’re seeking budget-friendly, supplemental coverage for out-of-pocket healthcare expenses, limited medical insurance could be a smart option.
What's Included
SGIC LIMITED MEDICAL INSURANCE PLANS TYPICALLY OFFER:
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A set amount of benefits for covered services |
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Coverage for out-of-pocket expenses associated with hospital stays, surgeries, labs, and more (Coverage varies by plan and state) |
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Budget-friendly premiums |
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Easy-to-understand benefits with no surprises |
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Options to expand coverage by adding other products in the SGIC suite, such as accident and/or critical illness |
SGIC’s limited medical insurance plans are guaranteed-issue, which means you can qualify without a medical exam or through underwriting.
Coverage is still subject to pre-existing condition exclusions.
What's Included
SGIC LIMITED MEDICAL INSURANCE PLANS TYPICALLY OFFER:
A set amount of benefits for covered services
Coverage for out-of-pocket expenses associated with hospital stays, surgeries, labs, and more (Coverage varies by plan and state)
Budget-friendly premiums
Easy-to-understand benefits with no surprises
Options to expand coverage by adding other products in the SGIC suite, such as accident and/or critical illness
SGIC’s limited medical insurance plans are guaranteed-issue, which means you can qualify without a medical exam or through underwriting.
Coverage is still subject to pre-existing condition exclusions.
How Much Does Limited Medical Insurance Cost?
Premiums vary by age, location, and plan design, but limited medical insurance is one of the most budget-friendly supplemental insurance options available.
Coverage range ($-$$$)
Pay monthly
Benefits are known ahead of treatment
How Does Limited Medical Insurance Work?
Apply
Choose your plan and start date.
Use
Visit any provider or hospital you choose.
Get Paid
Receive a set cash benefit, regardless of the actual bill.
Your Data, Fully Protected
Choosing health coverage means sharing sensitive information. At SGIC, we safeguard your personal and medical data with the highest standards of protection.
Budget-Friendly Benefits. Trusted Foundation.
SGIC Limited Medical plans are state-regulated and supported by trusted, licensed administration—so you can feel confident in the coverage you choose.
Frequently Asked Questions
How is limited medical insurance different from fixed indemnity?
Limited medical insurance plans provide set benefit amounts for specific services, similar to fixed indemnity but with more limited coverage. They’re designed to offer basic, affordable benefits—not full or broad protection
Can I use limited medical insurance with other coverage?
Yes. Limited medical insurance. can be used on its own or to help with costs not covered by other insurance, such as copays or everyday medical expenses.
Do benefits vary by state?
Yes. Benefits, availability, and plan features can vary based on the state you live in. Check your state-specific plan details to understand what’s included.
Does limited medical insurance cover hospital stays?
Some limited medical insurance plans may provide set benefit amounts for hospital-related services, but coverage is limited and not the same as major medical insurance. Review your plan details to see what hospital benefits may apply.