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What is a Primary Care Physician? |
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A primary care physician manages your entire health care program. One has to first visit his/her primary care physician for any kind of medical problem. In case you require a specialist, then your physician should refer you to a concerned specialist.
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Can I change my primary care physician? |
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Yes, one can change his/her primary care physician maximum once a month. But it is always better to stick to one physician. Find out the rules form your insurance company. Normally to change, you will just have to call up the new physician you want to be your primary care doctor, and then inform your insurance company about the change.
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What happens in the event of an injury or illness that demands immediate medical attention? |
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Travel insurance covers you for doctor visits, hospitalization, surgery, and prescription drugs and sickness or injury that occurs during the journey. If you already have a health problem or an injury/illness that you acquired before the start of your trip, the medical costs to treat this ailment will not be covered by your visitor insurance plan. Most plans will also cover the expense of transportation to a medical facility or hospital.
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What happens in the event of an accident during hazardous recreational activities? |
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Many of us love the challenge and excitement of extreme sports such as these when we are traveling, especially in the U.S. where there is a limitless abundance of recreational activities. But remember that injuries related to voluntary participation in high-risk activities and extreme sports like these are not usually covered under a generic traveler's insurance plan. In some plans you can get additional coverage for hazardous sports.
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What if I become pregnant or acquire a sexually transmitted disease while traveling? |
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Most visitor insurance plans do not cover pregnancy-related medical services or costs for treatment of sexually transmitted diseases.
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What coverage do visitor insurance plans offer for dental care? |
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Different visitor insurance plans offer different dental care coverage within the visitor insurance plan itself. For example, the Patriot travel insurance has two levels of coverage:
- Dental Injury due to covered accident: included in the medical benefits
- Dental Due to sudden pain: Up to $100
However do review the insurance plan brochure for the most accurate details of dental care coverage.
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My parents have already been in the US for six months, and I want insurance for three more months. What insurance plans are available for me? |
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The Atlas America insurance plan is one option available for them. Please review specific plan brochures to see if they preclude visitors who have already been in the US for extended periods.
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