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International Major Medical Insurance for 74 yo Hi! Does the 'International Major Medical Insurance' provide coverage for pre-existing conditions? Like a heart attack if the person has high blood pressure? Also, what does it mean that there is no PPO network? Does it mean that there are no negotiated fees with the hospital/providers, and that we'd have to pay out of pocket and then get reimbursed? Can you direct me to a site that offers more info on this insurance? I found the brochure, but it has only limited info on how this works. Thanks!
1. International Major Medical Plan (IMMP) does not provide any coverage for pre-existing conditions. 2. As it does not have any PPO network, it will not have any network negotiated fees with providers. It would be up to the provider whether to bill directly or not. If they do, good. Otherwise, you will have to first pay and file for reimbursement. Read /international-travel-insurance/ for more information on that.
Thank you! So what would you recommend for insurance for a 74 yo with high blood pressure but nothing else? The way I see it, the most likely scenario is a heart attack or stroke, so I would need an insurance that offers the max coverage for pre-existing conditions.
Unfortunately, at that age, it is really difficult to find insurance that covers even the new medical conditions. Please look at /patriot-america-lite-insurance/ or /patriot-america-platinum-insurance/ which will cover either $50,000 or $100,000 in new medical conditions respectively, but will cover up to $2,500 for sudden recurrence of a pre-existing condition. I understand that $2,500 is not much but that is the most available.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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