Split Modules

Split modules refer to the structure of a health insurance plan that allows members to mix and match different coverage categories, such as drug, dental, and extended health care. Each module operates independently with its own premiums and limits.

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This design provides flexibility to tailor coverage to personal or family needs. For example, someone with strong dental coverage through a spouse may choose to purchase only health and drug modules.

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Example:

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A plan may offer separate options, allowing you to select additional modules to expand coverage.

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What to Watch For:

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Confirm how deductibles and maximums apply. Some insurers treat each module separately, while others share combined limits.