Plans: H1, H2, H3
The LRFA Health Supplemental Plans are a low cost option, designed to assist individuals and families in the payment of medical expenses. They are ideally suited as secondary coverage to supplement primary health insurance.
There are three types of plans (members can choose one plan per individual and children must be enrolled under a parent's plan.
These plans differ by limits set on the amount of covered expenses (percentage groups) and maximum payable in a given calendar year.
The H1 plan requires proof of primary health insurance and is only available as a secondary plan. The H2 and H3 plans may be used as either primary or secondary coverage,
but they do not qualify as insurance under government regulations, as LRFA is not an insurance company.
Percentage Groups: 20%, 50%, 80%
The percentage groups reflect the benefit payment amount for LRFA approved medical expenses, calculated on the balance after a member's primary coverage has completed payment of the approved charges. Maximums and limitations apply.
Examples of covered medical services:
Common medical services are covered by the LRFA Health Supplemental Plans,
including office visits, lab and diagnostic tests, immunizations, in-patient & out-patient services, ambulance transportation, emergency room services, some dental & vision services.
See plan regulations for annual limits and maxiumum services.
In order to qualify for benefits, participants may incur the following waiting periods.
- New LRFA members who are accepted in to the Health Plan may receive benefits for medical expenses arising no sooner than three (3) months from the date of admittance into a plan.
- LRFA members of one (1) year or more may begin receiving benefits for medical care occurring after one (1) month from the date of admittance into the plan.
These pages are designed to provide general descriptions of our benefit plans and further restrictions may apply or may have changed. For further information, please contact the LRFA office or refer to specific plan Regulations.