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I have a few questions I need clarification on in reference to Patriot America Plus for our daughter who is visiting the US. Deductible - if we choose for example $250, once we pay that out of pocket the plan covers the rest correct? Is that per medical event or the total across the 6 months of her stay? Emergency evacuation - in the event our daughter is hospitalised and needs extended care, this plan will cover her transportation costs to be returned to Australia? Is that correct? Urgent Care - if she visits an Urgent Care center, she will only need to pay $25 regardless if deductible has been paid?
Thank you for contacting Insubuy. Please be advised that after you have met the deductible the plan will pay as per the coinsurance for in or out of network for any eligible medical expense. The deductible in the Patriot America Plus plan is an annual deductible so it would be for the entire duration of those 6 months. The plan also includes benefits for medical evacuation as well as repatriation. As for copayment at urgent care, the $25 is the correct copayment. You will only have to meet $15 at walk in clinics.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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