Visitor medical insurance – Direct billing and claims settlement

questionHello,
Do the visitor medical insurance plans pay first and reimburse later? Or should I go through the network and pay only the deductible?
Regards,
Roger

questionDear Roger,
Thank you for contacting us at American Visitor Insurance for your US visitor health insurance needs! With all the plans we sell, there is a possibility that you can get direct billing for any medical expenses whether incurred in the US or abroad. In the US, it is primarily determined by the provider. If the doctor's office is not willing to make the phone call and arrange payment, then you will have to pay up front and submit a claim for reimbursement. I know from working with the insurance companies that they are quite willing to work with providers.

Note that for coverage in the US, most plans have a deductible and a coinsurance that must be paid (deductible is chosen at time of plan purchase). The coinsurance is usually 10% or 20% of the first $5000 in expenses. International plans outside US and Canada do not charge coinsurance after the deductible (it was not clear where the traveller was heading from your email).

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear Sir/ Mam,
For your mentioned plan of Visitor Secure PlanD, how is the claim settlement done? Is it something that the insurance company pay directly to hospitals or the patient needs to claim retrospectively?
Also, please explain what $50,000 means in pre-exisiting illness coverage.
Regards,
Udit Dalal

questionDear Customer,
Thank you for contacting us at American Visitor Insurance for your visitor medical insuranceneeds!
The claim payment is totally dependent on the doctor/provider that you go to. Normally if you to a doctor facility within the PPO network of the insurance company, then they might be willing to call the insurance company directly and do the direct billing. If not, you will have to pay first and submit the scanned bills to the insurance company and they will reimburse it. Both of them are possible. But I would like to make it clear that claims and bill payment is not in our control.

Visitor Secure     Plan Details     Brochure     Buy Now

For the PPO network information, use the below link to find out which doctor come under the network:
HCCMIS PPO Network
Regarding your second question, pre existing coverage is available in Fixed plans like Visitor Secure up to the age of 70. By Pre existing condition coverage, the plan covers only the acute onset or the sudden recurrence but nothing apart from this. Again the report from the doctor should mention this for the insurance company to cover it. $50,000 coverage is the maximum amount that you can use on your policy for pre existing condition coverage if you buy plan with a policy maximum of $50,000.

Please let us know if we can help you any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
Please tell me what I need to show at the pharmacy, because I went once with my actual insurance and they tell me my insurance didn't cover medication!
In the other hand, I know dental is out, this is why I ask you for a dental complement for me and my daughter, can you send me some options to buy it?
Thanks,
Miriam

questionDear Miriam,
When a provider says "We don't take your insurance." What they mean is:
We don't want to call and arrange payment with your insurance company.
All eligible medical expenses (including prescribed medications) will be covered by your insurance according to the terms of the insurance plan. All you need to do, if the provider will not make the call, is fill out a claims form (after you pay for whatever it is you need; this will be the same for medication, doctor visit, etc.) in order to get reimbursed.

As far as dental goes, the Atlas plan has a fixed coverage for "sudden pain". So anything after that you will pay for yourself.
Let us know if you have any other questions or issues. I will put a link to the claims form for your convenience. It includes instructions on where to send it.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I wanted go to hospital see doctor ,which hospital I can go, I live at Monterrey park, could you reply to me ASAP.
Thank you very much

questionDear Customer,
Any of our plans can be used at any doctor or hospital. In an emergency, please use the closest appropriate facility.
If it is not an emergency and you are looking for a specific doctor, you can search their list of providers by going here: imglobal ppo network

You are NEVER required to use their list of doctors to get your care. Please let us know if we can help you in any further

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am a French citizen and want to purchase an insurance and a co-insurance patriot America in the link see below.
Patriot America
I want the starting date of my insurance to be the 16th of June for one year. I went till the end of the application and I was asked for my credit card information and if I understood well to pay the total amount of the insurance (around $1200). Is it possible to pay monthly from the starting date? If there's an option I don't see it. Could you help me please?
Thank you,
Samira

questionDear Samira,
Thanks for contacting us with your Insurance inquiry!
There is no monthly payment option to purchase this plan. You can renew the plan as often as you want. If you purchase at least one month the first time you buy it, the company will waive the renewal fee (only $5). However, you have to remember to extend the policy each month or however long you wish to extend the policy. IMG will send you a reminder email near the end date of your policy that it is available for renewal.

Here is the buy link for this plan again for your reference: Buy Now

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019

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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
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs
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