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Ask Our Specialists
Protection America questions Before I buy, I would like to get answers to the following questions: 1 - If I need to visit a general physician, how will the payment be made? Do I need to make the payment upfront and then get reimbursed from Protection America insurance or do pay nothing upfront and the company will send me a bill which would be 20% of total (after 250 deductible)? 2 - If I need to visit a specialist, how will the payment be made? Are the costs and coverage any different from that of regular physician or does 80/20 rule still apply? 3 - What about emergency/urgent care? 4 - Can I get access to provider's directory? 5 - Is this covered anywhere within the US? 6 - Can I go to any doctor or does it have to be the one in your provider directory? 7 - Can I go to any hospital or does it have to be the one in your provider directory? 8 - What would be considered in-network and what would be out-of-network? Are costs different for out-of-network? If so, how does it work? Say, I spend $100 out-of-network, is it still $80 paid from you and $20 from my pocket?
I have answered your questions below. If you have any questions, please feel free to contact us at any time. 1. 2. Read the description at /international-medical-ppo-network/ 3. Same as answer 1, for accidents, for sickness that result in hospitalization. If you visit an emergency room for a sickness for which you are not admitted into hospital, there is extra $250 charge per visit. Urgent care is same as answer 1. 4. Yes, click on 'Search Providers' link at /international-medical-ppo-network/ 5. Yes, except to the residents of Florida or Florida mailing address. (You can still visit Disney World, Miami beach etc.) 6, 7, 8. You can go to any doctor or hospital. There is no restriction. If you visit the doctors or hospitals in the network, after the deuctible, insurance company will pay 80% for first $5,000 (or 90% if purchased). It is 70% for out of network for first $5,000.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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