Visitor Medical Insurance Guide: Should I buy this or that?
Are you looking around for a visitor's medical insurance for your parents or relatives and are spending endless hours on the Internet doing research on this topic, you would have seen all kind of data and reviews and are more confused now.
We make it simple, your search ends here as we have decided to pursue and sell only the best - Inbound USA from Seven Corners.
It is common for people to get lost, even after receiving inputs from your friends you will have questions like "With so many insurance companies offering so many different plans, which one is the best for me?"
The process of buying an insurance is like going to a electronic shop to buy a DVD Player. There are hundreds of models with almost identical features, which makes your decision even more confusing and difficult. You want to make sure that you make the right decision and why not, because after all you are paying for it.
We want to tell you a few basics and important facts and save you some precious time.
- Visitors medical insurances are short term medical plans that are specially designed for visitors and may not work exactly like your regular health insurance (provided through your employer) , where the only expense you owe is your co- payment ($5 or $10). So don't assume that just because you bought visitor medical insurance, you won't be paying any thing in the event of a medical problem. You may consider these plans as just a way to protect you from "major" medical expenses".
- Coverage Talk: Coverage could include doctor's visits, medicine/pharmacy, emergency visits to the hospital, surgery, radiology etc. Some include travel benefits like lost baggage, trip cancellation benefits but then you end up paying higher premium.
- Is there a Perfect Plan? There is no plan that can fit your needs exactly Each plan has a little bit of this and a little bit of that. Moreover Health concerns are unpredictable, no one knows what kind of problems one might face in the future? So, you can never be 100% sure about the kind of coverage that is best for you. There are pros and cons for each plan. The plans are designed by insurance providers in a way that they are balanced. For instance, if one plan is cheaper or has a less deductible then it will also have limited coverage. Or, if one plan has a better coverage, then it will either have a higher deductible/co-insurance or will be more expensive.
So finally, it's all about choosing the one which you think can be a least risky. There are basically two kinds of plans:
1. Limited Coverage Plans that are less expensive, but have some limitations on coverage. They are also called fixed coverage plans/schedule benefit plans ". Check out Inbound USA
2. Comprehensive Coverage Plans are a bit expensive but offer better coverage.
So this will help you narrow down your search.
