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Thread: GMI Silver Questions

  1. #1
    Join Date
    May 2005
    Posts
    2,623

    Default GMI Silver Questions

    . I bought GMI Silver from you. I want to get more explanation of outpatient benefit. It is stated USD 70 per visit, max 25 visit. Is it subject to deductible, as my deductible is USD 1000, does it mean the outpatient benefit is useless? 2. Is it possible to add more member to a family? My husband may want to join under the same policy.

  2. #2
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,420

    Default

    1. Yes, it is subject to deductible. However, deductible is annual (once a year).

    Therefore, outpatient benefit is still useful.

    2. You can't really add the family members (there is no advantage in doing that.)
    You can buy a new one at https://www.insubuy.com/expatriate-health-insurance/
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  3. #3
    Join Date
    May 2005
    Posts
    2,623

    Default

    Say, someone goes to doctor (outpatient) 20 times during the year, total per visit is USD 60. Does it mean he can claim the USD 1200 less USD 1000 deductible? Does he need to submit the bill everytime he visits the doctor (even it is only USD 60), or can he accumulates and once it is over USD 1000, submit all documents at once to the insurer? Does the limit including medical prescribed by the doctor? It is really confusing. I need to understand before buying one for myself. Thank you.

  4. #4
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,420

    Default

    In that case, the person would get $200 ($1200-$1000).

    You should submit the bills as and when you use the insurance.

    Prescription drugs coverage is separate.

    Please let me know if you have any other questions.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

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