Ask Our Specialists

1. Yes, your parents would be eligible to enroll in a medical insurance plan.  No, their intermediate visit to Thailand will not exclude them from coverage.  Although, with any IMG products such as ExPatriot Plus, Patriot, or Protection America for ages 65 and older the initial period of coverage must begin within 30 days of their arrival in the U.S or any time before arrival in the US. 

2.  

Whether you buy one combined policy or separate policy for each person, all the benefits are per person.  Policy maximum is per person, co-insurance, and deductible.  There are many advantages in buying separate policy each person.  Just in case one parent would like to go back early, you can renew the policy for the other parent.  You can't achieve that if you put your parents on one application.  In case one parent has a claim, and the other parent with no claim is going back early (or both are going back early), you can get a refund for the parent who never submitted a claim.  You definitely have more options for each individual if you did separate applications.

The only disadvantage in having separate policies is that, if you buy a renewable plan, and you want to renew for both parents, you would have to pay a renewal fee (let's say 5) per person, instead of $5 per policy.

3. 

If you are looking for a higher maximum benefit for your father, than World Med would be a good plan.  You father would be able to get $100K, whereas all the other plans would give him $50K maximum.  Depending on whether or not having a PPO network  is important to you would be another factor on selecting a plan.  World Med, Protection America, and Atlas America all have networks.  Whereas, Patriot America and ExPatriot Plus do not.  When you parents go to doctors and hosptials in the network, they will charge only the Network Negotiated Fee which is a discounted fee in many cases and can bill directly to the company.

4. 

First Health is the largest most well recognized network.  It has approximately 67% of all the hospitals in the US and over 500K physicians in the network.  MultiPlan is a good network, but not as many providers.

5. 

These plans are not HIPAA compliant because they do not cover pre-existing conditions. All the visitor medical insurance (or any other short terms insurance plans) are NOT HIPAA compliant. 

6. No

7. No, network for prescription drugs in any company, only medical.

8. Annual

9. Yes, emergency room charges are covered.

10. No

11. That just means that it is somewhere between fixed and comprehensive coverage.  There is overall $250k limit for 70-74 age, but there are coverage max. limitations for serveral things like heart attack.