"What is the best visitors insurance plan?"
That is a question many customers ask us.
Healthcare in United States is very expensive. Therefore, most people whose relatives are visiting the USA buy the visitors insurance. However, there are many choices available in the market for visitors insurance. Therefore, often the customers ask the question to us: What is the best visitors insurance plan?
Well, there is no simple answer to that as it is really subjective regarding how to measure the best visitors insurance plan among many visitors insurance plans available in the U.S. itself.
Are you looking for best visitors insurance in terms of price or in terms of coverage? Of course, there is no such thing as best visitors insurance both in terms of price and coverage. You can't expect the low priced visitors insurance to provide the best coverage. And you can't expect the best coverage plan to be cheapest either. The same visitors insurance plan may not be the most suitable plan for all circumstances.
In such a scenario, how do you decide which one is the best visitors insurance? This guide attempts to help make the determination. It describes various visitors insurance plans so that you can decide which one is the best for you.
There are primarily two types of visitors insurance plans:
- Fixed: Cheaper, limited coverage plans
- Comprehensive: More expensive, much better plans
For More Information About Visitors Insurance Types
If you are considering a fixed plan:
There are multiple plans, from multiple providers to choose from; while two plans may seem similar there is a useful tool called Fast Compare that highlights the differences between any two visitors plans fast.
Every plan has a "How Plan Works" page, please read it for any plan you're considering as this page has very important information to help you understand how a limited benefit plan works before you purchase.
Most fixed coverage plans have a deductible that is once per accident/illness; this means if a person needs to see a doctor for two different incidents, e.i. the flu and a fall, even if these visits are just days apart two separate deductibles will have to be met. Only one plan offers a deductible that is per period of coverage, Visitors Care. The period of coverage is the maximum duration that a plan can be purchased. If the plan is purchased for a duration less than the maximum duration and extended, the same deductible applies; after the maximum duration has been reached the plan can be renewed and the deductible would start over.
The majority of fixed coverage plans do not participate in a PPO network; this means there are no negotiated fees or contracted rates. There are no price regulations regarding what a reasonable charge should be; therefore providers can charge whatever they want to, but going with a plan that has a PPO you avoid this. Safe Travels for Visitors to the USA is the only fixed coverage plan that uses a PPO network, which means you will get network negotiated fees for eligible expenses.
If you are considering a comprehensive plan:
There are many great plans to choose from in the comprehensive category. Consider the following, after you pay the deductible once, Atlas America covers 100% up to the policy maximum as long as you go to the providers in the First Health PPO network and they bill directly. Otherwise, it pays 80% for first $5,000 in covered medical expenses, and then pays 100% up to the policy maximum. For persons below 70 years of age, Atlas America covers up to overall policy maximum in acute onset of pre-existing conditions. Therefore, any one who is looking for acute onset of pre-existing conditions, Atlas America is an excellent choice.
After you pay the deductible once, Patriot America covers 90% up to $5,000 in covered medical expenses (you pay 10%) and then it pays 100% up to the policy maximum. Patriot America must be purchased for a minimum of 1 month initially in order to be able to renew in future, if you are buying for less than 1 month initially, it is preferable to buy any other comprehensive visitors insurance that would allow you to renew. Patriot America Plus is similar to Patriot America but covers acute onset of pre-existing conditions up to the policy maximum (with policy maximums up to $500,000) for persons under the age of 70 years. If you are looking for 100% coinsurance after the deductible, consider Patriot Platinum America. Patriot Platinum America provides a minimum of $1 million coverage for persons below 70 years of age. This plan has coverage for the sudden and unexpected recurrence of pre-existing conditions. However, if the person is in the age group of 70 to 79 years, Patriot Platinum America is a good comprehensive plan for a $100,000 policy maximum.
There are the Liaison series of visitors medical insurance plans such as Liaison International, Liaison Continent, Liaison Majestic that have similar prices and similar coverages, the main difference being the policy maximum, coinsurance amounts and out of pocket maximum. Liaison Continent covers up to $25,000 in acute onset of pre-existing conditions for persons below the age of 65 years and $2,000 for ages 65-69 years. Liaison International covers up to $15,000 in acute onset of pre-existing conditions for persons below the age of 70 years. While Liaison Majestic will only provide a very limited benefit of $200 for each night in the hospital due to a heart attack or stroke, to a maximum of $3,000.
We hope that this would give you a good idea for choosing the best visitors insurance plan for your particular needs and circumstances.
You can compare different visitors insurance plans side by side on this web site and if you have any questions, please feel free to contact us at any time.
*Note: Network negotiated fees (or contracted rates) apply only to eligible medical expenses.