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
For persons below the age of 70 years, the most popular comprehensive visitors insurance plans are:
Both of the plans participate in the First Health PPO network and provide a plastic health insurance card. 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. In Atlas America, after you pay the deductible within the PPO network, it pays 100% up to the policy maximum. On the other hand, in Patriot America Plus, after you pay the deductible within the PPO network, it pays 90% for the first $5,000 in eligible medical expenses and then 100% up to the selected 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 that are aged within the 70-89 year range, the best comprehensive coverage plan is Safe Travels USA Comprehensive Insurance.
It provides up to $25,000 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.