A visitors medical insurance plan is the best form of short-term coverage suited to provide medical insurance for visitors to USA or traveling outside of his or her home country of residence. To make an informed choice, visitors to USA or any other nation outside home country can compare visitor health insurance plans online. After the detailed review and comparison of benefits, the best suited plan is selected by visitors can be purchased online using a credit card.
Importance of visitors insurance coverage
When availing of the medical insurance for visitor to USA plan, it is important that you first check the benefits that are provided with the plan. The plan benefits and all details of visitor medical insurance are available online and travellers can compare premiums and coverage. Visitors to USA can be well informed about the premium rates, deductibles, medical benefits, coverage period of various plans to review and find the best medical insurance for visitors. The plan details of visitor medical insurance are available online and travelers can compare at any point of time.
Fixed benefit or comprehensive visitors insurance
There are basically two kinds of insurance coverages available in the United States. These are the fixed insurance and the comprehensive insurance. The fixed visitor medical insurance coverage is less expensive. With this, you are required to pay the deductible first and then the insurance company will pay up to the maximum amount for each procedure. The balance, if any, will then be paid by the plan holder.
On the other hand, the comprehensive visitor medical insurance costs almost double that of the fixed benefit coverage. The advantage of this kind of USA visitor insurance plan, however, is that it provides more coverage and enhanced features. They also provide dedicated PPO networks and associated cost savings for staying within these provider networks. In here, the deductible is payed first by the insured, and then the insurance company will pay typically eighty percent for the first five thousand in eligible costs, and the plan holder will pay the remaining twenty percent. After the five thousand, the insurance company will pay up to one hundred percent of the maximum covered amount in the policy. Do remember, however, that these insurance plans too have exclusions and these conditions are not included with the acute-onset of pre-existing condition coverage. Do note that different insurance companies will be providing their own version for the benefits so read the policy and the coverage carefully and thoroughly.
Best visitors health insurance for visiting USA
Below are the plan suggestions based on age of visitor to USA:
Age below 70 years, best plans for visitors to USA
- Atlas America Insurance (up to $2 million max limits)
- Patriot America Plus Insurance (up to US $500K max coverage)
Ages 70-79 years, best health coverage for visiting America
- Atlas America Insurance ($50K or $100K or $150K maximum coverage)
- Patriot Platinum Insurance ($100K maximum)
- Patriot America Insurance ($50K maximum)
Ages 80+ years, best medical plan options for visiting USA
- Inbound USA Insurance (Plan J with $40K or Plan K with/ $70K maximum)