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.
Upon purchaes of the plan double check the insurance ID cards and insurance certificate are correct. For immediate coverage confirmation you can request the ID cards be emailed to you. The cards must be in the possession of the insured at all times.
Most insurance plans require you to use facilities within a contracted network of providers (hospitals & doctors). By visiting them you can maximize the benefits offered by the insurance company. Note down the phone numbers and other contact information for the facilities in the areas you plan on visiting.
The insurance card will provide an Assist number to contact in case you need any information regarding benefits and eligibility. Procedures stipulated by the insurance company must be followed when you seek treatment. Certain treatments may require precertification before the procedure.
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 medical provider determines whether to bill the insurance company directly or bill the insured. If the insured has made a payment then the insured can fill out a claim form, include itemized receipts and seek reimbursement for the payments made. The insurance company may request additional information and the entire reimbursement process can take anywhere from a few days to several weeks.