CB, I do not know how with Palic, but with ARS Constitucion you can have the (what you call "better policy") for just one person. It's properly called "Plan Complementario", and as far as I know, you have to buy complementario at the same insurance company that offers you the Basic Plan. Basic Plan is all the same across all insurance companies. The only difference are contracted clinics, doctors, etc. But coverage %-wise and limit-wise is the same.
The difference comes with Plan Complementario.
I have ARS Constitucion and pay RD$400 per month and I have coverage 100% (0 copay) on everything, and about RD$8,000 per day room/lodging (anyway, here n Higuey no clinic charges more than RD$2,500 for a private suite) so this would most likely cover Abreu and CEDIMAT private room as well.
The same coverage (Plan Complementario) at ARS Humano costs over RD$1,500 per person.
If you are on TSS insurance plan (Basic plan through a company/employment) and are thinking of buying Plan Complementario, these are my recommendations:
1) ARS Constitucion
2) ARS Universal
I do NOT like PALIC because they require pre-authorization for almost everything costlier. I was at CEDIMAT nuclear Medicine last year and there was a fellow patient frm La Romana, he had to go through 4-5 various exams and bring all paperwork for approval of nuclear medicine testing. And had to go get authorization from Palic HQ in SD. My insurance was Constitucion, I got authorization in less than 60 seconds from ARS Constitucion booth at CEDIMAT and all that was needed was the doctor's prescription (all test results came back well).
Bot PALIC and HUMANO require a lot of paperwork. Constitucion and Universal do a lot of pre-authorizations over the phone.
Example: I suffer from long lasting nasal congestion (when they come they last months) because of absolutely bad environment in Higuey (heavy air contamination). I was prescribed a CT exam. When I was at clinic's Insurance department, somebody else was in there for the same exam. She had Humano and she was sent to the office to get authorization. In my case, the clerk looked on my insurance card and did the whole authorization procedure over the phone.
If you have private insurance (not through a company)
the order is a bit reversed, but it's almost a tie-up
1) Universal
2) Constitucion
Hope this helps.