Safe Travels USA Cost Saver is a comprehensive coverage plan for non-US residents visiting USA. 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.
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 like any other eligible medical expenses.
Sudden and unexpected recurrence of pre-existing conditions is covered up to $1,000.
Dental is covered only up to $250 for acute pain to sound and natural teeth. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.
Safe Travels USA Cost Saver will cover outside the home country including during travel. It covers loss of checked luggage up to $1,000.
Telemedicine can provide medical advice and access from on call nurses and physicians over the phone.
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, which varies from $0 to $5,000 for out of network providers (if you're seeing an in-network provider it is $0), 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 100% of covered expenses. If you go to a provider outside of the First Health PPO network, then plan pays 80% of the next $5,000 covered expenses and you pay 20%. In other words, using in network providers limits your out of pocket cost to $0 and using an out of network provider you will have to pay a maximum of $1,000 out of your pocket towards the 20% coinsurance.
Then, 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 and you're visiting out of network providers.
Let's assume that the out of network doctor charges you $150/visit and you need to visit several times.
The first time you visit the out of network doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the out of network doctor 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 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 80% for the first $5,000 of covered medical expenses incurred out of network, you continue to 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. 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 $1,000 (20% of first $5,000) 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: 06/15/2020