There are many American visitors insurance plans available in the market today. However, most of them fall into two major categories: fixed coverage plans and comprehensive coverage plans. Some information may also refer to them as limited vs. comprehensive visitors insurance. When it comes to health insurance for foreign visitors to the USA, we always recommend everyone purchase comprehensive coverage plans.
Comprehensive Coverage Plans
We always recommend comprehensive coverage plans due to the following reasons:
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Benefits: After the deductible, it will pay a set percentage up to a certain amount, then 100% up to the chosen policy maximum or a set percentage up to the chosen policy maximum.
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Cost: The plans cost more than fixed coverage plans; however the cost is reasonable considering the benefits provided offer proper protection.
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Deductible: Deductible only has to be met once per policy period or year.
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Out of Pocket Maximum: Generally limited to chosen deductible and co-insurance in most cases.
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Policy Maximum: Properly covered up to the chosen policy maximum.
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PPO Network: Most plans participate in PPO network; have contracted rates, and direct billing available.
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Contracted Rates: Available for PPO network plans.
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Providers: Freedom to visit any provider; however it's beneficial to visit providers in the network.
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Travel Coverage: Extensive benefits provided beyond the policy maximum.
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Acute Onset of Pre-Existing Conditions: Provided in many plans.
Due to above reasons, we always recommend comprehensive coverage plans.
