Nonscheduled plans generally provide benefits based on which criteria?

Nonscheduled plans are designed to offer flexibility in how benefits are provided, focusing on a fee-for-service structure. This means that benefits are calculated based on the actual services rendered rather than predetermined amounts for specific procedures. Under this model, policyholders often encounter deductibles and coinsurance, which require them to pay a portion of the costs associated with their care. This setup allows for a more adaptable approach to care, as it accommodates a variety of treatments and encourages policyholders to seek necessary services, knowing they will be compensated based on the fees charged by their healthcare providers. This approach contrasts with scheduled plans, where benefits are typically fixed for specific services.