Which plan type pays benefits up to an amount shown in a schedule for specified procedures?

Scheduled plans are insurance policies that provide benefits according to a predetermined schedule of procedures and services. Each covered procedure is assigned a specific dollar amount that the insurer will pay, regardless of the actual costs incurred by the insured. This means that if a policyholder undergoes a specified procedure listed in the schedule, they will receive the predetermined benefit amount outlined in the policy.

For instance, if a scheduled plan covers a dental procedure like a filling, the plan may show a benefit of $100 for that procedure, irrespective of whether the dentist charges $90 or $150 for it. This structure offers clarity for policyholders regarding what benefits they can expect from their insurance for particular services, making it easier for them to plan their healthcare expenses.

In contrast, nonscheduled plans usually offer a broader set of benefits without fixed amounts assigned to specific procedures, providing more flexibility but less predictable financial planning. Combination plans typically integrate features of both scheduled and nonscheduled offerings, while indemnity plans provide reimbursement based on the billed amount instead of a preset schedule, allowing for a different kind of patient-provider relationship regarding payment.

Thus, the correct answer is identified as scheduled plans since they directly relate to the firm structure of payment benefits according to a specified amount per procedure.