Ask Our Specialists

1. Patriot America covers anywhere outside home country. Therefore, if the person is from India, it will cover anywhere outside India, including England, as long as the insurance is effective. 2. You only pay the insurance premium to the insurance company and NOT your deductible or any other portion of the medical bill. Let's say your deductible is $1,000 and each dr visit is $200. When you go to the Dr, you show the insurance card to them, they bill the insurance compay. Insurance company does not pay anything but records in your files that you have paid $200 towards the deductible. When the doctor gets that notification, they send you the bill for $200 and you pay that $200 to the Dr. You continue to pay money to the provider until your have exhausted your deductible. After that point, insurance company starts paying 90% for first $5,000 and 100% after that up to the policy maximum. Alternatively, if your deductible is $1,000 and each dr visit is $200, and you have not met your deductible and when the Dr's officer calls the insurance company about it, they know that they are not going to get anything paid from the insurance company, in some cases, they may demand that $200 right away. In that case, you pay that $200 and still file the claim with the insurance company. Insurance company will not pay you anything back but they will record that you paid $200 towards the deductible. In other words, someone has to let insurance company know about your payment to the provider. Otherwise, insurance company will not have any way to know that you have been paying money to satisfy the deductible. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.