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Few questions on Patriot America I am planning to take PatriotAmerica or ProtectionAmerica (100K) 1. In case if there is a need for my mom to visit doctor here or get admitted, Can I just show the ID card at the reception? How can I confirm this with my near-by hospital? 2. Does it work similar to my Aetna PPO card I hold? How much of co-pay should one pay during visit. 3. Also if the deductible (say 1000$) is per visit or overall duration of the plan 4. Does she have to bring any paperwork, previous medical records with her? 5. Also, she is starting from Indian on May 13 1:30am and arriving here on May 13 11:35am. I would like to include travel insurance along with this. How do I go about doing that?
1. Yes, that is how it works. Please read /international-medical-ppo-network/ /international-medical-ppo-network/ more details. When you call them, you have to ask them whether they participate and accept First Health PPO. 2. As far as the PPO, it works quite similar. However, there is no concept of co-pay in the short term plan. You have to first pay the deductible. After that insurance company pay 90% (or 80%) for first $5,000. Then it pays 100% up to the policy maximum. 3. Deductible is only once. 4. No. 5. All the coverages start according to the U.S. Eastern Time. Therefore, keeping the time zone between the U.S. Eastern and India in mind, I recommend that you put the effective date as May 12. If you have any other questions, please feel free to post them here or contact us at any time.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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