Tourists visiting USA and foreign citizens spending time with their families in the US are typical candidates for Visitors Insurance. International Students and exchange program scholars and their families can also seek protection under Visitors Insurance USA. It is common for the people in the industry to refer to this class of plans as Visitor Health Insurance.
Benefits:
Visitor Insurance USA plans are of two types – schedule benefit plans (with many coverage sub-limits like the basic Visitors Care Insurance) and comprehensive plans (with very few coverage sub-limits like the comprehensive Patriot America Insurance).
In-patient Coverage – payments for hospital charges including surgery charges, room & board, physician fees, nursing etc.
Out-patient Coverage – payments in outside hospital expenses (i.e doctor visits) for eligible illness or injuries (i.e. new sicknesses or injuries and not pre-existing conditions)
Prescription Drugs Coverage –visitor insurance USA plans can cover for drugs and medical supplies prescribed by doctors for eligible illness or injuries (i.e. new sicknesses or injuries and not pre-existing conditions)
Diagnostic Test Coverage – expenses for CAT scans, X-Rays, blood tests, MRIs etc. for covered sicknesses or injuries
Pre-existing Conditions Coverage – most plans exclude coverage for pre-existing conditions (chronic illnesses like high blood pressure, diabetes, heart disease, kidney disease etc);
Why Visitor Insurance USA:
The US has a complicated healthcare system – the most advanced technology, brilliant doctors, fast delivery at vey high costs. Not to mention the capitalistic economy is supported by a strong legal system. Laws are indeed enforced swiftly.
Healthcare in the US is not run by the government but is run like any other business. That means you get good care at prices the market supports. The standard of living in US is high and that means that US citizens are capable of paying their medical bills. They usually purchase health insurance and their healthcare expenses are taken off by their insurance.
When foreigners visiting the USA falling sick or getting injured they are expected to pay their bills. Hospitals in the US cannot sustain themselves if they do not collect money for the services rendered. A few days of stay at the hospital can result in tens of thousands of dollars in bills.
Visitor Insurance USA plans can protect US tourists and visitors from this risk and pay for medical bills for sudden sicknesses and injuries incurred during their visit.