Ask Our Specialists

There are several things to be aware of in general, and in your specific situation, when visiting the U.S.

First,  you will have to purchase 2 separate policies. 1 policy for you and your son, as U.S. citizens, and then a policy for your partner who is a French citizen.  

As far as policy maximums and deductibles, each plan will have different options to choose from.

If you choose a $0 deductible, then there is not an amount you have to pay out of pocket first before the plan will start to pay for eligible expenses. Some plans have PPO networks and some do not. If they do, then you would have negotiated rates for covered expenses.  While most in network providers will direct bill, and all hospitals will direct bill for covered expenses, a provider's office, like a doctor's office which is a private practice, can have you pay at the time of service and then you would file the claim yourself. This is up to the discretion of the individual provider's office.

As far as what all visitor plans cover, they cover all new illnesses and injuries, that occur or manifest after the effective date.  They do not cover anything preventative, routine, or pre-existing.

Some plans will have an acute onset of pre-existing conditions benefit.  This benefit is available on some plans, and offers a possible benefit for certain situations due to a pre-existing condition based on the doctors report, and if the onset meets the plan's definition of an acute onset.

I have attached the FAQ link from our website about the acute onset benefit for you to review. It explains the definition of acute onset, and provides some examples that may help with understanding how that benefit works.

Acute Onset FAQ

If you have any questions, or need any additional assistance, please let us know.