Visitor insurance resources
Travel insurance resources for emergency while outside your home country.
Hello,
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,Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.
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:
Travel Medical USA Visitor Choice
Patriot America Lite
Visit USA HealthCare
To understand the difference between fixed and comprehensive plans, please see the below link
For fixed benefit visitors insurance plan, , the in network benefit would be some price negotiations and that negotiation will not be available for out of network.For comprehensive visitors insurance plans, there is a co-insurance factor that you need to consider. For instance, Patriot America Lite 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,Hi,
I need some clarity on some details mentioned in the summary page for the fixed plans. It shows amt in these plans in the Co-Insurance section. What exactly does 100% covered amount mean? I pay the rest of what? Could you please shed light on this?
Thanks,Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.
This is what we mean to say to the customers when it comes to the co-insurance.
There are 2 kinds of plans "Fixed" and "Comprehensive". The wording that you are seeing are for the Fixed plans which show up in yellow in the summary page. There is no co insurance for the fixed plans.
A fixed plan pays a set amount (variable by company and maximum amount) for each medical expense. If the customer is charged more than this amount, then they must pay the difference. All of that, is of course, after the deductible is met. Please understand the difference between Fixed and Comprehensive plans.
Please let us know if you need anything further.
Regards,Hi,
Do i need to pay the deductable every time i go to doc visit? So my insurance will the rest of expenses?
Thanks,Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.
It depends on the type of plan you buy. If it a "Per policy period" plan then you pay the deductible only once in the plan maximum lifetime.
If the plan is : Per injury/sickness" plan, then you will have to pay the deductible every time you visit the provider for each and every injury/sickness incident.
Please let us know if we can help you any further.
Regards,Dear Madam,
I want to know how the co-insurance works? Is similar to a deductible, except that it is a percentage (20%) of the first $5000 costs, and it only applies if I use a hospital outside of their PPO networkof hospitals, is that correct? Sounds to me like the deductible is $1250 rather than $250 in that situation.
Do you have information about their PPO network, do they have hospitals throughout US?
Regards,Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.
Yes. The 20% co-insurance depends on the insurance plan you purchase.
In some plans, there is a 10% Co-insurance and in some others there is a 20% co-insurance. In some plans the entire 20% co-insurance is waived if you use a facility within the PPO network, and is charged only when you use a facility that is outside the PPO network. Details of the co-insurance can be reviewed by using our quote comparison tool.
This is applicable for the first $5,000 of the expense incurred by you.
For Example:
If you incur an expense of $3,000, this is how the co-insurance and deductible apply:
Expense = $3,000
Deductible(This is the amount that you pay) = $250
Final Expense amount that the Insurance Company will pay = $3,000 - $250 = $2,750.
Now, the 20% co- insurance will be applied on $2,750 when you receive treatment outside of PPO. So, 20% of $2,750 is 550.
Final expense that Insurance company pays = $2,200
The amount that you pay = $800
The PPO network links for both the plans are as below:
Atlas America Provider Network
Patriot America Provider Network
You can also buy Atlas America Insurance and Patriot America Insurance online.
Please let us know in case you have any questions
Regards,Hi,
I am trying to make a purchase of travel insurance. We are Spanish and traveled 19 days to California. My question is that when filling the coverage you desire, 500,000 dollars, displayed above: Deductible per Certificate Period. I do not know what this is? Help me please?
ThanksThank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.
Deductible is the amount that will be deducted from the medical expense incurred when you come across an injury or sickness. From the total amount of the expense you pay the deductible and the rest of the expense will be taken care of by the insurance company.
For ex: If your policy has a deductible of $100 . Then, if you come across an injury or sickness and the bill or the expense is $2000 for example.
Then you will have to pay the deductible $100, then the remaining expense is $1900 will be paid by the insurance company.
If there is a co-insurance amount associated with your plan, then this is how it works:
From the $1900 of expense that the insurance company has to pay, if the coinsurance percentage is 80%, then 80% of $1900 will be paid by the insurance company and remaining 20% has to be paid by the insured (which is you).
Let us know if you need any further clarification.
Regards,Visitor medical insurance is not just a good idea, but a necessity! Health Care is very expensive in countries like the US, where not having travel health insurance for USA can be catastrophic.
Having Visitors Insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers are urged to buy visitor insurance USA to have a safe sojourn outside their home country.
Yes, international tourists can and should buy visitors health insurance in USA. Given the high cost of US healthcare, it is very risky to travel to the US without the best visitors insurance for usa for visitors.
International tourists can compare different visitor insurance plans online and then buy travel insurance for USA Visitors to get coverage as early as the following day.
The cost of visitors insurance in USA depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.
The best visitor insurance in USA will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the US. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.
The price will be higher if you need health insurance for visitors to usa with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance USA.
Review and compare the best international travel health insurance.
Travel insurance resources for emergency while outside your home country.
Factors to consider while deciding on the best visitor medical insurance.
Types of US visitor health insurance, fixed benefits vs comprehensive coverage.
Insurance claims process for using insurance and getting healthcare in a hospital.