Patriot America Lite is a comprehensive coverage plan for people traveling outside their home country. 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. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation 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?
The insurance company 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.
Prescription drugs are covered up to the lower amount of either the policy maximum or $250,000. More information.
Visits to a U.S. Urgent Care are included, there is a $25 copay for each visit; if you choose a $0 deductible, then there is no copay for you visit.
Patriot America Lite also covers visits to Walk-in Clinics. There is a $15 copay for each visit at a Walk-in Clinic; if you choose a $0 deductible at purchase, then there is no copay if you visit.
Dental is covered only up to $300 for acute pain to sound and natural teeth and up to the policy maximum for treatment needed due to an accident. For any practical dental coverage, consider a low cost plan from Careington that provides excellent coverage.
Patriot America Lite provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your deductible per certificate period (varies from $0 to $2,500) before the insurance company 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.
After that, within the United Healthcare PPO network, the plan pays 100% (out of network: 80% up to $5,000, you pay 20%; then 100%) of covered expenses. In other words, you only pay your chosen deductible out of your pocket as long as your stay in network.
The plan pays 100% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.
Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need to visit several times.
The first time you visit the doctor in network, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the doctor next time in network, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your deductible per certificate period. The remaining $50 is paid by the plan. (If you went out of network, then out of the remaining $50 after your deductible, the plan pays 80% which is $40 and you pay 20% which is $10.)
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 100% up to the policy maximum of $50,000.
If you to have gone out of the PPO network, the plan would pay 80% for the first $5,000 of covered medical expenses, and you pay 20% (that is maximum $1,000). After that, the insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 2 days in a hospital within PPO network. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible and the insurance company will pay the rest.
Even if you extend your insurance after the initial 3 months, you don't have to pay the deductible again.
Benefits Updated: 05/11/2022