Visitor health insurance can be purchased for visitors from abroad. This insurance can protect the host family from financial ruin in case visitors fall sick. Ensure that the coverage includes the days they are in transit.
Once you have purchased the coverage make sure you receive the insurance cards and proof of coverage. They are emailed immediately upon purchase of the plan. Visitors can carry the cards with them at all times.
Ascertain if the insurance follows a preferred network of providers. Insurance companies typically offer the most benefits if you visit providers from within the network. So, use a physician and hospital within the network wherever you travel.
Always keep relevant and important contact numbers handy. If you need medical treatment contact the assist numbers to find out the procedures that must be followed. Precertification may be required for some treatments. The insurance company can deny payment if the protocol is not followed.
Assistance during life threatening emergencies must be obtained by calling 911. An appointment with a physician is the best way to get treatment for all non-emergency situations. Locate the nearest ‘Urgent Care Center’ for treatment during late hours. The Emergency Room must be used only if it is an emergency. The insurance can deny payment if an ER visit was for non emergency purpose.
The decision to bill the insurance directly or require payment immediately from the patient is made by the medical provider. Claim forms must be sent with all itemized bills. Additional information may be requested before a claim is approved; make sure your contact information is up to date.