Ask Our Specialists

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question


Would like to know how I am covered if I would need to visit a Physician within the PPO network for minor ailment like cough, cold .. Will the Doctor fees is included in the insurance?Is prescription drugs is also included in the insurance ? Do i need to pay forany lab accessibility of doctor fees is covered?


Thank you for contacting Insubuy. The Patriot America plan you have purchased provides coverage for new illnesses, injuries or accidents that manifest after the effective date of the policy. The plan does not cover pre-existing conditions, routine doctors visits, or preventative treatments. The final determination as to whether the medical situation is a covered medical expense or not is determined by the claims department, and they will make their decision based on the medical records, and attending physicians statement. 

If you visit an in-network medical provider for a covered medical condition, the plan will pay 100% up to the policy maximum for any eligible medical expenses such as doctors visits, and diagnostic services. If the treatment is provided at an out of network facility, the plan will pay 80% up to $5,000, then the plan will pay 100% up to the policy maximum for any eligible medical expenses. Since there is no network of pharmacies, prescriptions will be treated as out of network. 

The medical provider you visit can choose to bill you directly or bill the insurance directly. The best practice is to present the insurance information to the provider, and then they will call to verify benefits. You may also call the provider in advance and ask if they particpate in direct billing. If you end up paying from your pocket, you may file a claim for the reimbursement. If you have any additional questions, please feel free to contact our office at +1 (866) INSUBUY 467-8289. 

Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
643 page views

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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More