Visitor medical insurance for visitors visiting the US is not always mandatory to buy, but it should be given priority. During the US visa application process, the US consulate will highlight and explain the importance of visitor health insurance considering the costs of health care in the US. It is thereby prudent for visitor medical insurance to be considered a must for all the visitors who are visiting the US. The visitor insurance plan will help the visitor when needed during a medical emergency by giving them access to the US healthcare system.
You have an option to buy travel health insurance in your home country where you are traveling from or you can purchase a US based visitor insurance before or even soon after you arrive in the US. But it is recommended and advised to buy a US based visitor medical insurance plan as they have better access to doctors and hospitals across the United States and you will not run into problems related to acceptability. Medical insurance from US based company is widely recognized by most of the hospitals and doctors in the US. Health care in the US is very expensive and it is very difficult for travelers on a tight budget to page the huge medical bills if you are uninsured.
In circumstances of an medical emergency, you need to pay out some amount of money at first towards the deductible amount out of your pocket, after which your plan reimburse the rest of the amount in the case of comprehensive plans. A fixed benefit is offered for every type of medical condition, but has capped benefits. Hence, you should have your visitors health insurance as it confirms to be of great help in case of an urgent medical situation requiring surgical procedure or health related operations.