| MyExtraBenefitsCard | Insurance |
| Who's eligible | Offered directly to individuals and families | Often not available to individuals and families unless offered through an employer |
| Deductibles, limitations, and annual maximums | None | May have deductibles that must be met and limitations on the services you receive each year; annual maximums may limit the amount of care reimbursed by the plan |
| Predetermination of benefits | None | Some plans require that treatment estimates or approvals be submitted before procedures can be preformed |
| Claims and forms | None | Requires that you submit a claim form in order to obtain reimbursement for providers |
| Exclusions for | None | Many plan limit or exclude benefits for pre-existing conditions |
| pre-existing conditions | None | Many plan limit or exclude benefits for pre-existing conditions |
| Waiting periods | None | Often has waiting periods that require a certain amount of time to pass before you can receive coverage for a major service |
| Referral necessary | No | Many plans require a referral to see a specialists |
