Patriot America® Plus is a comprehensive coverage plan for non-U.S. citizens 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. 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?
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.
Patriot America® Plus is very similar to Patriot America®. However, Patriot America® does not cover any expenses related to pre-exisiting conditions while Patriot America® Plus covers an acute onset of pre-existing conditions up to the policy maximum for people below the age of 70 years.
Prescription drugs are covered like any other eligible medical expenses.
Dental is covered only up to $100 for acute pain to sound and natural teeth or 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® Plus 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 annual deductible (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 First Health PPO network, the plan pays 90% (80% out of network) of the next $5,000 of covered expenses, you pay 10%. In other words, you will have to pay a maximum of $500 out of your pocket towards the 10% coinsurance. (You don't have to pay this 10% for expenses incurred outside the U.S. or Canada.)
Then, the plan pays 100% up to the selected policy maximum, ranging from $10,000 to $500,000, 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 within PPO network, you will have to payall of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the doctor within the PPO network the next time, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your annual deductible. Out of the remaining $50 after your deductible, the plan pays 90% which is $45 and you pay 10% which is $5.
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 90% (80% out of network) for the first $5,000 of covered medical expenses, you continue to pay 10% (that is maximum $500).
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 plus $500 (10% of first $5,000) and the insurance company will pay the rest.
Even if you renew your insurance after the initial 3 months, you don't have to pay the deductible again.