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Thank you for your interest in purchasing visitors insurance. All three plans that you have specified are equivalent in terms of the first three items you mentioned. I am not sure what exactly you mean by item #4. Please clarify.

Thanks for your response. Do all the plans I have previously enquired about support direct billing, rather than me having to pay all of the amount charged by the provider and then getting reimbursed? I have read somewhere in the brochures that they require the insured to verify that the we need to inform the administrator before seeking medical treatment ... would this be true even for in-network providers?

It is best to ask the questions in the discussion forums as Reviews section is meant only for posting the experiences and therefore has a flat structure. As you can see, the questions and answers from different people get mixed up with one another's. Anyway, to answer your questions: You are mixing two different matters into one another. 1. All 3 plans you mentioned participate in a PPO network. Therefore, when you go to the providers in the network, they generally bill the insurance company directly. Therefore, you don't have to first pay and file for reimbursement. That is uniform across all three plans. 2. This is different in different plans. In Liaison Plans, before you take any treatment in the U.S., you have to call the phone number listed on your insurance card and let them know (prenotification). After that, visit the provider and show your insurance card and in-network providers can bill directly. In Atlas Plan, you have to first inform the insurance company (prenotification) only in case of major things such as surgery, MRI or scheduled hospitalization. In case of emergency hospitalization, you can call within 48 years hours. Again, you take the insurance card to the provider and in-network providers can bill directly. As you can see, from the above explanation, that #1 and #2 items are totally different from each other. In other words, just because you have to inform the insurance company (in some or all case, depending upon the insurance plan) does NOT mean that you have to first pay and then file for reimbursement. Informing the insurance company actually helps so that, if appropriate, can call the provider and provide the necessary information for your smooth experience. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time.

thanks for the explanation. If I've understood correctly, Liaison requires us to call the number on the card for any treatment, while Atlas requires it only for surgery, hospitalization, etc... and would not require us to inform the insurance for example, for a physician's visit. Is this correct? I was also looking at Patriot America and Protection America, especially since they also offer RX discount cards. Are there any other advantages to these plans over Atlas and Liaison? Thanks!

1. Correct. 2. Those are also similar plans. Prenotification/Precertification in IMG is similar to HCCMIS, for major things. All 3 major companies: IMG, Seven Corners and HCCMIS are practically equivalent in terms of customer service, network providers, ease of use etc. The main differences that you are see are the objective ones that you see while comparing the plans side by side on this web site. e.g., the coinsurance, out of pocket maximum, renewal and cancellation rules, the prices and other minor differences that you see in different plans. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time.