Medical emergencies are unavoidable and can turn out to be expensive for the USA visitors. It can lead to financial burden for most of the visitors in case they don’t have medical coverage. Fortunately, some of the professionals get insured by their employers. For those who don’t have this privilege, visitor care insurance plan is available these days. From keeping visitors safe from unexpected illness and accidents to paying their hospital bills and emergency visits, visitor health insurance plan can ensure all. If you are not residing in the USA but you are scheduled to visit it for professional, academic or vacation purpose, you can take advantage of USA visitor’s insurance plan and stay protected throughout the travel period.
The hospital authority will ask you to submit your visitor health insurance card along with a photo identity card before admitting you to a hospital in the USA. So, don’t forget to carry these documents along with you while travelling around the USA. Additionally, ensure you read and understand the terms and conditions of your visitor care policy and know how much you need to pay for how long and what is the maximum limits of your insurance payment. Again, you need to be aware of the medical conditions your insurer will pay for.
Medical tests or treatments in hospitals
There is very few government owned hospitals in the USA. And the rest are managed private parties and equipped with modern facilities. The cost of treatment in these private hospitals is usually high.
A visitor care insurance policy will have a deductible amount to be paid each year for your medical treatment abroad. This amount can be as less as $100 or as high as $5000 which you will have to pay yourself for starting your treatment in a hospital as it won’t be provided by the insurance company. There is again a co-payment provision in a visitor health insurance plan. You will have to pay a certain amount every day until you get treated in the hospital.
Special treatment and care: – Sometimes, you need the attention of a specialized doctor. The doctor may be a gynecologist, dermatologist, nephrologist, oncologist, otolaryngologist, cardiologist, and gastroenterologist.
If you are covered under a PPO plan, you can directly go to a general physician or specialized doctor recognized in the PPO network. If you have HMO coverage benefits, you have the option to choose your physician for primary treatment. For any emergency problem, you will have to visit the physician first. If he finds it necessary to refer your case to any specialist, he will recommend one. You will have to fill out the referral form and go to the recommended surgeon or specialist. Or else your visitor health insurance company won’t pay you medical compensation.
When you decide to purchase visitor care insurance from any reputed USA based insurance company, most of the doctors listed in your PPO network will collect your policy number, photo identity card and send the medical bill to the insurance firm and ask you to pay co-insurance by cash, check or credit card. If ever you decide to buy a policy from any non-USA company, you will have to pay bills and claim compensation later, which can be a little risky.
If you don’t want to spend a lot towards emergency department visits or sudden hospitalizations during your US tour, look into health insurance policies at Visitor Health Insurance.
Visitor Health Insurance 