My name is Muhaddisa Ali and I am a 16 year old US Citizen. I live in Pakistan and will be visiting the US from 22nd June to 14th August. I am going to be attending a 6-week summer Pre-College Program at Rhode Island School of Design.
Firstly, I don't fully understand how the Insurance Plans work. I would appreciate if you could brief me on that. I have questions like, How does a deductible work? Are there specific requirements for universities? What will be covered? etc.
Secondly, I would appreciate help in choosing a plan that works best for me and my needs.
Since I am budget oriented, I would like to be as conservative with my costs as possible for this short trip.
Thank you for contacting us at American Visitor Insurance for your US visitor medical insurance
needs!. Given below are details of plans thatwill cover US citizens who reside outside of the US while they visit the US.These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship.So, as long as you intend to return to your country of residence, they will cover you.
Here is the plan that is available for US citizens coming to the US for short term. Universities sometimes ask for specific benefit coverage. That is something that you might want to check with your university.
For this plan you need to enter the Pakistan
address as your home country address. The plan can be purchased for a minimum of 15 days and offers plan maximum of $50,000 or $100,000.
Regarding how these policies work:
You can buy them online and you will receive a confirmation email with the ID card and policy details attached. You can use them for your future use.
The deductible is the initial amount that you will be paying in case you incur claim expense after which the company will pay the remaining expense.
There is a 20% co insurance amount that is applicable after the deductible amount for the first $5000 of the expense after which the insurance company will pay 100%.
The other option is Patriot America
insurance from International Medical Group. The policy maximum range from $50,000 to $1 million. The traveler must have resided outside US continuously for the past 6 months and must have a current health plan in force.
+1 (877) 340 7910Reviewed and Updated : April 2019