Many people would like to purchase the best comprehensive visitor insurance when their parents or other relatives come to visit them in the United States.
After all, their parents took very good care of them while they were growing up, it is obvious that as their children they would like to take the best possible care of their visiting parents.
Potential customers looking for the best comprehensive visitor insurance already know that there are two types of visitors insurance plans:
- Fixed Coverage Plans: Cheaper, less benefits
- Comprehensive Coverage Plans: More expensive, better benefits
Comprehensive visitors insurance is always recommended for visitors to the US; however, the same visitors insurance plan is not necessarily the best choice for everyone because everyone's situation is different.
Age below 70 years
Both of the plans participate a PPO network and provide a plastic health insurance card; Atlas America participates in the United Healthcare or First Health PPO Network and Patriot America Plus participates in the United Healthcare PPO Network. When you visit a participating provider within the PPO network, they may bill the insurance company directly and charge you only the network negotiated fees. Both of them are cashless visitors insurance.
These plans do not have the exact same coverage though. After you pay the deductible, Atlas America and Patriot America Plus both cover 100% up to the policy maximum within the PPO network, but if you go outside of the PPO network Patriot America Plus will pay 80% of $5,000, then 100% to the policy maximum and Atlas America will still pay 100% to the policy maximum.
Both plans provide:
- A prescription drugs discount card that is accepted at all major pharmacies.
- Coverage for acute onset of pre-existing conditions up to the selected policy maximum.
Age 70-89 years
For people in the 70-79 year range, there are a few comprehensive coverage options to choose. One plan is Atlas America Insurance because this plan provides coverage for an acute onset of a pre-existing condition up to the policy maximum or $100,000, whichever is lower.
For people that are aged within the 80-89 year range, the best comprehensive coverage plan is Safe Travels USA Comprehensive Insurance.
It provides up to $35,000 in acute onset of pre-existing conditions for those aged 70-89 years, while most visitors insurance plans do not provide any such coverage for people aged 70+ years.
This plan also participates in the First Health PPO Network, with a wide choice of providers all across the US.
Even though the above is general information about the best comprehensive visitor insurance, as we mentioned earlier, the same plan is not the best choice for everyone. Please call our office to speak with a licensed and experienced visitors insurance agent that is available to assist you seven days a week. We are always glad to go over your particular situation and suggest the most suitable plan for your specific needs.