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Inbound® Choice

Injury & Sickness Medical Insurance For Visitors

5 Days to 728 Days

How Inbound Choice Insurance Works - Reviews

First

The deductible is met once per incident (injury or sickness), even for doctor visits.

Then

The plan pays fixed amounts according to the schedule of benefits and you pay the difference.

Overview

Inbound Choice is a fixed coverage plan for non-U.S. citizens traveling to the United States. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

What is covered and not covered?

Inbound Choice will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions (in the US only) up to the policy maximum per period of coverage for persons below the age of 70 years.

Prescription drugs are covered according to the schedule of benefits for covered medical expenses.

Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.

Inbound Choice provides coverage in the USA including travel time as well.

How much is covered?

First, you will have to pay a deductible (varies from $0 to $200) per incident (injury or sickness) before the insurance plan starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.

The deductible is applied only towards the eligible expenses.

Once you have satisfied the deductible, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay the difference beyond the benefit amount that is covered, there is no out of pocket maximum.

Covered Services, Injury & Sickness Benefit Maximums

Age 14 Days to
Age 69 Years
$50,000 Max
per Injury/Sickness
$75,000 Max
per Injury/Sickness
$100,000 Max
per Injury/Sickness
$130,000 Max
per Injury/Sickness
Physician or Urgent Care VisitsUp to $60/visit, 1/day, 10 visits maxUp to $75/visit, 1/day, 10 visits maxUp to $90/visit, 1/day, 10 visits maxUp to $115/visit, 1/day, 10 visits max
Prescription DrugsUp to $250 per period of coverageUp to $250 per period of coverageUp to $250 per period of coverageUp to $250 per period of coverage
Hospital Emergency Room$200$500$575$750
Diagnostic X-Rays & Lab Services Up to $250 -
Additional $325 - One CAT scan, PET scan or MRI
Up to $375 -
Additional $325 - One CAT scan, PET scan or MRI
Up to $500 -
Additional $975 - One CAT scan, PET scan or MRI
Up to $575 -
Additional $975 - One CAT scan, PET scan or MRI
Hospital Room & Board Including MiscellaneousUp to $1,500/day, 30 day maxUp to $2,000/day, 30 day maxUp to $2,500/day, 30 day maxUp to $3,000/day, 30 day max
Hospital ICUAdditional $500/day, 8 day maxAdditional $500/day, 8 day maxAdditional $500/day, 8 day maxAdditional $500/day, 8 day max
SurgeryUp to $2,100Up to $4,800Up to $5,800Up to $7,200
Ambulance ServicesUp to $500Up to $500Up to $500Up to $500

Example:

Let's assume that you have taken a $50,000 policy maximum with $50 deductible.

  • Let's assume that the doctor charges $140/visit and you need to make 4 visits.
    For a doctor's visit, the insurance plan covers $60. You have put $50 towards satisfying the deductible, at this point your deductible has been met. The insurance plan will reimburse you $10. For the second visit, since you have satisfied your deductible, the insurance plan will reimburse you $60. For subsequent visits treating the same incident, it will pay $60/visit, 1 visit/day, 30 visits max.

  • Let's assume you need the emergency room for a separate incident. The charges for the emergency room come to $2,400.The insurance plan covers up to $200. Since the deductible has not been met, the insurance plan will reimburse $150 and you will pay the remaining $2,250.

  • Let's assume that you were in an accident and are hospitalized for 3 days and need one surgery, the total bill is $40,000. The insurance plan will pay $1,500/day for hospital room/board for 3 days and $2,100 for surgery. Since the $50 deductible has not been met that would be withheld.

    $1,500 x 3 = $3,500 + $2,100 = $5,600 - $50 = $5,550
    $40,000 - $5,550 = $34,450

    The amount of $34,450 would be the patient responsibility.

Benefits Updated: 02/22/2017

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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