Visit USA-Healthcare is a comprehensive coverage plan for non-U.S. citizens traveling to the United States. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive confirmation in your email. Physical cards along with the confirmation of insurance will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

The insurance company will generally pay for new medical conditions, injuries (caused either by accidents or otherwise) or sicknesses that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. FAQ on pre-existing conditions

Prescription drugs are covered just like any other eligible medical expenses.
Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent coverage.

Visit USA-Healthcare provides coverage in the U.S. and incidental trips up to 14 days to Canada, Mexico or U.S. territories. It does not cover loss of checked luggage.

Visit USA-Healthcare meets all the requirements of J-1 or J-2 visa with a deductible $500 of or less.

Please look at the detailed description.

First, you will have to pay your chosen deductible once per policy period (varies from $250 to $1,000) before the insurance company starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of co-pay.

After that, the insurance company pays 80% of the next $5,000 of covered expenses, you pay 20%. In other words, you will have to pay maximum $1,000 out of your pocket towards 20% coinsurance per incident.

Then, the insurance company pays 100% up to the selected plan maximum per incident, either $50,000 or $100,000.

Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.

• Let's assume that the doctor charges you $150/visit and you need to visit several times.
  
  First time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
  
  When you visit the doctor next time, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your annual deductible. Out of the remaining $50 after your deductible, the insurance company pays 80%, that is $40 and you pay 20%, that is $10.
  
  For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 80% for the first $5,000 of covered medical expenses, you pay 20% (that is maximum $1,000), per incident.
  
  After that, the insurance company will pay 100% for covered medical expenses, up to $50,000, per incident.
  
  
• Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible plus $1,000 (20% of first $5,000) and the insurance company will pay the rest.