Visitor medical insurance – Direct billing and claims settlement

Hello,
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


Dear Roger,
Thank you for contacting us at American Visitor Insurance for your travel 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 7910

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    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
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  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
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