So, the question is: What do you want to insure yourself against: minor medical issues which are more likely (flu) or major events that are unlikely (broken bone)? If you decide for a fixed plan, I recommend getting a very high maximum ($100,000 or $130,000 are options) because as the maximum of the policy is increased, the amount paid for each expense tends to go up (at $100,000 maximum, they pay $5,500 for a surgery, for example). Also, with a fixed plan, get as high a deductible as you can ($200 for elderly insureds or $100). In either of the above scenarios, the insured would have to pay the same amount regardless of deductible and this would always be the case unless you have extremely minor charges. Therefore, you can save money on the premium by choosing a higher deductible.
To save money on the comprehensive plan which is much more costly than a fixed plan, you can increase the deductible quite high ($2,500 or $1,000; these levels are not available for fixed plans). With such a high deductible, you will most likely have to pay out of pocket for any minor complaints, like a doctor visit due to flu or stomach complaint; however, you would be protected from a devastatingly high medical bill. For a person over 80 years of age, the only options with at least a $50,000 maximum are fixed plans. In that case, I recommend the Inbound Immigrant plan. Other than that age group, the type of coverage you want will depend on what you wish to insure yourself against.
Following are the list of fixed benefit plans:
Visitors Care | Inbound USA | Inbound Guest | Inbound Immigrant | Inbound Choice | Visitors Secure | Safe Travels visitors to USA
Following are the list of comprehensive plan:
Atlas America | Patriot America | Patriot America Plus | Patriot Platinum | Liaison Elite | Liaison Economy | WorldMed | Diplomat America | Safe Travels USA | Safe Travels USA Comprehensive
We have many options of either type available on our website and friendly staff to assist you with any questions or concerns you have as you make your decision on fixed and comprehensive visitors medical insurance. As always, we wish you safe and happy travels!