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Friday, July 24, 2009

Affordable Visitor Medical Insurance Policies For Visiting Parents

By Ray Sondeo

A visit by parents of international students studying in the US often means a stay of several months. Age, change of climate and environment and suchlike factors might cause them to fall sick or injure themselves. The dangers and inconveniences are somewhat mitigated in one has a visitor insurance plan. Not only does it ease the financial strain but is also helps find suitable doctors and hospitals promptly.

The type of coverage offered by medical and health insurance plans for visiting parents may be fixed or comprehensive. The age of the insured, the type and duration of the coverage decide the cost of the visitors health insurance. The cost of comprehensive insurance, for instance, is higher than fixed benefit plans, because it offers greater coverage.

The period of coverage is flexible; 5 days to 3 years. The coverage itself can range from $25,000 to $1,000,000. One may choose a deductible as low as $0 or go up to $2500. In short, the plans for visitor health insurance for visitors to USA are flexible and can be customized.

Also, do factor in the out-of-pocket expenses, take a good look at the co-insurance options of the visitor health insurance plans you choose. This will tell you the portion of the eligible payments that you, as the insured, are expected to make.

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 health insurance for visitor 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. - 23211

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