Affordable Visitor Medical Insurance Policies For Visiting Parents

By Ray Sondeo

A visitors health insurance plan is very convenient for parents visiting their children in the USA. Several illnesses and injuries may be covered under these plans, thereby easing the financial burden during a medical emergency. It also obviates the need for doctor and hospital shopping.

Medical and Health plans for visiting parents can provide either fixed or comprehensive benefits. The cost of visitor, depends on age of the insured, type of coverage selected and number of days coverage is required. Comprehensive coverage plans offer greater coverage at a higher cost than the fixed benefit plans.

Visitors to the USA can enjoy the flexibility and customization of the visitors health insurance plans; a case in point is the period which may be as less as 5 days or as much as 3 years. The coverage amount ranges from $25,000 to $100,000, and deductibles from $0 to $2500.

Also check out the several co-insurance options for the visitor health insurance plans co insurance is the portion of the eligible payments that the insured is responsible for paying. It is the out-of-pocket expenses that must be paid by the insured for medical services.

There are very few plans offering coverage for pre existing conditions for parents visiting the US. For US citizens travelling abroad there are plans offering limited coverage for pre existing conditions. Make sure you understand how pre existing conditions are defined by the visitor health insurance plan.

Visitor?s health insurance covers eligible in-patient and out-patient hospital and doctors expenses. It covers prescription drugs and blood tests ordered by a doctor for covered illnesses and injuries. Coverage is also available for emergency medical evacuation, repatriation of mortal remains and compensation in case of accidental death and dismemberment.

Most visitor health insurance follow a PPO network of providers making direct billing of expenses easy. This allows you to focus on cure and rehabilitation, rather than paperwork. In some cases you may be required to pay the providers and get reimbursed for your expenses. Always maintain and keep track of all itemized bills, to receive maximum reimbursement.

Visitor health insurance plans for visitors to the US are comprehensive. They are also affordable, with convenient payment options, can be purchased and confirmed online. Every insurance provider makes available experienced insurance advisors who can be contacted via phone or mail to help you buy the policy you need.

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