Couple of questions on Patriot Insurance

[sln]

Narenda and others,

Had couple of questions. I understand the main difference between patriot and protect. If I am buying insurance for 6 months, that difference of buying upfront of 3 months does not apply..

If I am going with patriot (90/10, 250 deductible, 100K),

1. If we need to go urgent care, do we need to pay additional 250 (which is for ER service and not hospitilized)? Assume this urgent care visit is for immediate help and not hospitilization? How about visit to urgent care for injuries?

2. Does this cover Dental/Vision? If we need cleaning or eye checkup, if we pay the deductible, will insurance pay rest after 90/10? How about for getting glasses

3. How much do they pay for ambulance services.

4. I read that we get prescription card that can be used at Walgreens and other places? Does it cover any prescription from the PPO doctor?

Thanks

[narendra]

1. If you go to an urgent care, additional $250 does not apply that applies in case of ER. Urgent care is treated just like Dr. office's visit.

2. No, such dental/vision is not covered.
Look at Careington at http://www.insubuy.com/health/dental/index.jsp

3. Just like any other expenses, provided it results in the hospitalization.

4. Covered pharmacies will give discount for most of the drugs, not all.
You can look at http://www.insubuy.com/universalrx/ to find out which drugs would be discounted.

Of course, this discount is not the only coverage you get. After discount, you are still covered as per deductible, coinsurance etc. You just have to submit the claim to IMG for reimburse for discounted price.

I hope that answers your questions.

If you have any further questions, please feel free to post them here or call us at (866) INSU-BUY.