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1. Deductible is the amount you have to pay first once before insurance company pays anything. You don't have to deductible now. Only when you get sick. 2. Sirius International. 3. That's right. After you pay the deductible, insurance company pays 90% for first $5,000, you pay 10% and after that, insurance company pays 100% up to policy maximum.

I have a follow up question. So if I choose Patriot America with a deductible of $500, then I am looking at spending Deductible = $500 Co-insurance = $5000 * 0.10 = $500 Total = $1000 for a possible large medical expense, say a hospital stay that cost $25,000. Is that the way the coinsurance would work? Just checking if the co-insurance has to reach $5000 or $500 for stop-loss coverage. Thanks.

You are right. You pay maximum $500 (Five Hundred) towards the coinsurance, which is 10% of $5,000 (Five Hundred).

You are right. You pay maximum $500 (Five Hundred) towards the coinsurance, which is 10% of $5,000 (Five Hundred). Thanks for the quick response. I will probably be buying two policies (one for mom and one for Dad). They will be here for about 2 months and 25 days. I am almost certain they are not planning on extending their stay. I will still consider between playing it safe with Protection America or going with a little cheaper Patriot.

Compare the prices for 3 months of Patriot and the price of 2 months 25 days Protection. Go for whichever comes out cheaper.

I plan on purchasing Patriot America insurance for both my parents together, under the same application. Could you please confirm if the deductible is per applicant or per application? If I choose $500 as deductible, how much will the deductible be in the event that both my parents require medical assistance at the same time? Thanks in advance for your reply.

Deductible is per person. Therefore, if both parents require assistance, you have to pay the deductible per person. Actually, I recommend that you put two persons in separate applications. You will not loose anything but will have more flexibility. Read relevant FAQ at /visitors-medical-insurance/

Hi i want to buy patriot insurance for my mom. just few questions..... 1) do i need to pay first and then claim? 2) do IMG send a detailed notification of coverage that they paid to hospitals and coinsurance i have to pay to the hospitals. 3) how they decide any preexisting illness? 4) do i need to call insurance company before going to the doctors or emergency room?

1. Read /international-medical-ppo-network/ 2. Yes. 3. Based on the medical records, treatment records and attending physician's statement. 4. No. For major things, read /international-medical-pre-certification/