Coinsurance & Deductible - How a Plan Works?

questionHello,
I am looking for visitor medical Insurance and I have a few questions that I need clarification. Since this traveler has children in many places in US. What if she is in another state when she will need care. What are the benefits in Network and out of network. Also it says care has to be given within 24 hours?
Thanks,
Salma


Dear Salma,
The insurance plans that we have can be used in any city and state in the United States.
Each plan have different provider network as the company is associated with these networks.

The insurance plans that we have recommended to you are classified as fixed and comprehensive. Here are the details:
1) Inbound Immigrant (Fixed plan from Seven Corners)
2) Patriot America (Comprehensive plan from IMG)
3) Green Cover (Comprehensive plan from Seven Corners)
4) Visit USA HealthCare (Comprehensive plan from Travel Insurance Services)

To understand the difference between fixed and comprehensive plans, please see the below link

Fixed Vs Comprehensive

For fixed plans, the in network benefit would be some price negotiations and that negotiation will not be available for out of network.
For comprehensive plans, there is a co-insurance factor that you need to consider. For instance, Patriot America has a 10% co-insurance applicable on the total medical expense in case an expense is incurred within the network, where as for out of network the co-insurance is 20%. This is applicable only for the first $5000 of the expense after which there is no co-insurance applicable. Co-insurance is the amount you need to pay after the deductible for the expense incurred.

Please let us know in case of any further questions.

Regards,
Customer care
+1 (877) 340 7910

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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Liaison Travel
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
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