| Covid19 coverage |
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Visit USA offers coverage for COVID-19 as a covered medical expense.
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| Plan Type |
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Fixed plan
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Comprehensive plan
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Comprehensive plan |
| Plan maximum per injury/sickness |
Plan A: Up to age 79 years: $50k; For 80 years and above: $20k
Plan B: Up to age 69 years: $150k
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Plan A: Up to age 79 years: $75k; For 80 years and above: $20k
Plan B: Up to age 69 years: $200k
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Up to age 79 years: $250k; For 80 years and above: $20k |
| Deductibles |
Plan A: Up to age 69 years: $0, $50, $100, or $250 per injury or illness; Ages 70 years and above: $100 or $250 per injury or illness
Plan B: Up to age 69 years: $0, $50, $100, or $250 per injury or illness
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Plan A & Plan B: $0, $250, $500, or $1k per certificate period
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$0, $250, $500, or $1k per certificate period |
| Coinsurance – Claims incurred outside U.S. |
| Not Applicable |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
| Coinsurance – Claims incurred in U.S. |
| Not Applicable |
In-Network: Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
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In-Network: Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
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| Inpatient |
| Hospital room and board
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Plan A: $1,500 per day, 30 days max
Plan B: $2,750 per day, 30 days max
(including
miscellaneous unless specified)
|
Average semi-private room rate, including nursing services |
Average semi-private room rate, including nursing services |
| Intensive care unit
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Plan A: $2,500 per day, 8 days max
Plan B: $4,000 per day, 8 days max
(including
miscellaneous unless specified)
|
Up to the overall maximum limit |
Up to the overall maximum limit |
| Urgent care |
Plan A: Office visits, including urgent care - $75 per visit, 10 visits maximum (outpatient treatment)
Plan B: Office visits, including urgent care - $150 per visit, 10 visits maximum (outpatient treatment)
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Co-payment:
Claims incurred outside the U.S. No co-payment
Claims incurred in U.S. $50 co-payment, after which coinsurance will apply
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Co-payment:
Claims incurred outside the U.S. No co-payment
Claims incurred in U.S. $50 co-payment, after which coinsurance will apply
|
| Physical Therapy |
| $50 per visit, 1 visit per day, maximum 12 visits |
Usual, reasonable and customary charges. Must be ordered in advance by a physician. |
Usual, reasonable and customary charges. Must be ordered in advance by a physician. |
| Mental Health Disorders |
| Not Applicable |
Not Applicable |
Up to $5k |
| Bedside Visit |
| Not Applicable |
Not Applicable |
Up to $1,500 |
| Outpatient Treatment |
- Surgery - Plan A: $3,300 per session; Plan B: $7,150 per session
- Outpatient surgical facility - Plan A: $1,100; Plan B: $1,500
- Pre-admission yesting - Plan A: $1,100; Plan B: $1,450
- Diagnostic X-ray and Labs - Plan A: $500, plus $400 for one CAT Scan, MRI or PET; Plan B: $750, plus $650 for one CAT Scan, MRI or PET
- Observation room services - Plan A: $355; Plan B: $750
- Outpatient prescription drugs - Plan A: $150; Plan B: $300
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Not Applicable |
Not Applicable |
| Durable medical equipment |
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Plan A: $1,100; Plan B: $1,700
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Not Applicable |
Not Applicable |
| Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses |
| Not Applicable |
Not Applicable |
Up to $10k |
| Emergency Services |
| Emergency local ambulance |
Plan A: Up to $500
Plan B: Up to $500
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Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. |
Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. |
| Emergency room (all expenses incurred therein) |
Plan A: $375 for an outpatient treatment
Plan B: $785 for an outpatient treatment
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Co-payment:
Claims incurred outside the U.S.: No co-payment
Claims incurred in U.S.: $250 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
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Co-payment:
Claims incurred outside the U.S.: No co-payment
Claims incurred in U.S.: $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
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| Dental |
| Dental Treatment due to Alleviate pain |
| Not Applicable |
Up to $1k due to accident / Up to $100 for acute onset of pain |
Up to $1k due to accident / Up to $100 for acute onset of pain |
| Pre-Existing Condition |
Acute Onset of Pre-Existing Condition
$25k lifetime maximum for emergency medical evacuation |
| Up to Ages 65 and above: $2,500 ; All others: $20k(excludes chronic and congenital conditions) |
Up to Ages 65 and above: $2,500 ; All others: $20k(excludes chronic and congenital conditions) |
Up to Ages 65 and above: $2,500 ; All others: $25k(excludes chronic and congenital conditions)
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| Life |
| Common carrier accidental death & dismemberment |
| Not Applicable |
Members age 18-69: Up to $50k lifetime max.
Under age 18: Up to $5k lifetime max.
Ages 70 through 74: Up to $20k lifetime max.
Ages 75 and older : Up to $10k lifetime max.
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Members age 18-69: Up to $50k lifetime max.
Under age 18: Up to $5k lifetime max.
Ages 70 through 74: Up to $20k lifetime max.
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| Evacuation |
| Emergency medical evacuation |
| Up to $100k Lifetime Maximum |
Up to $250k lifetime maximum |
Up to $500k lifetime maximum |
| Emergency reunion |
| Up to $15k, maximum 15 days (not subject to deductible or coinsurance) |
Up to $15k, maximum 15 days (not subject to deductible or coinsurance) |
Up to $15k, maximum 15 days (not subject to deductible or coinsurance) |
| Return of mortal remains or cremation/burial |
| Up to $25k, $5k for cremation/burial |
Up to $50k, $5k for cremation/burial |
Up to the overall maximum limit, $5k for cremation/burial |
| Return of minor children |
| Not Applicable |
Up to $25k |
Up to $50k |
| Terrorism |
| Up to $25k, eligible medical expenses only |
Up to $50k lifetime maximum, eligible medical expenses only |
Up to $50k lifetime maximum, eligible medical expenses only |
| Other Benefits |
| Optional Enhanced accidental death and dismemberment coverage |
| Not Applicable |
Up to $100k (only available to members age 18 through age 69) |
Up to $100k (only available to members age 18 through age 69) |
| Optional intercollegiate or interscholastic sports rider |
| Not Applicable |
Not Applicable |
Up to $20k |
| Optional hazardous activities rider |
| Not Applicable |
Not Applicable |
Up to the overall maximum limit |
