Patriot America Insurance Reviews, IMG insurance Reviews, Popular Patriot America Insurance unique plan highlights

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Customer care

Comprehensive

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$250	$0	$250
Days in hospital	$2,000/day for 3 days	$6,000	$0
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X Ray	$1,400	$1,400	$0
Total:	$24,250	$24,000	$250

Expense

Amount billed

Amount Insurance Pays

Amount Insured Owes

Deductible

$250

Days in hospital

$2,000/day for 3 days

$6,000

Surgery

$16,000

Prescription Drugs

$600

X Ray

$1,400

Total:

$24,250

$24,000

$250

Unique Benefits

For those under 65 years of age and visiting the US initial period of coverage must begin within 6 months of arrival and for those above 65 it must begin within 30 days of arrival.
Plan can be purchased for a minimum of 5 days and can be renewed (unless there is a break in coverage) for a total of up to 2 years.
Each insured person must only satisfy one deductible and co insurance within each 12 months coverage period.
Claims must be presented to IMG for payment within the period of coverage, benefit period or during the 3 months immediately following the period of coverage.
There is no Co insurance for the treatment received outside the USA and Canada.
As per the precertification, the insured or their attending physician must call the number listed on the IMG Identification Card prior to the admittance to a hospital or performance of a surgery. Billing will be done directly if precertification is obtained.
Plan offers variety of OPTIONAL RIDERS:
- Adventure Sports Rider up to $50,000
- Enhanced AD&D Rider up to $400,000
- Evacuation Plus Rider
- Chaperone/Faculty Leader Replacement Rider (avaliable on group plans)

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