Visitor Medical Insurance FAQ's -- Usage
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Frequently Asked Questions about Visitor Medical Insurance
Visitor Medical Insurance FAQ's -- Usage (ID card, claim process, refund, cancellation, renewal)
Q: What if my visa status has changed after buying the plan?
A: In most of the plans coverage remains same. But you may always contact us or Insurance company. We may gladly help you out.
Q: Can I renew my plan? Is there any additional price to renew plan?
A: Yes, most of plans are renewable but different plans have different term and conditions for renewal such as some plans have to be initially
purchased for 3 months to get renewal option. Please read plan description or contact us.
Yes, Most of the Insurance companies charge from $5 -15 extra fees to renew the plan each time.
Q: If I get sick and I go to doctor/hospital, how would the policy work? Do I have to pay them money?
A: When you buy Insurance from US based companies, they will provide you ID card which has Insurance company's and your information on it.
When you go to doctor/hospital for medical treatment, you show them ID card and they will contact the Insurance company and get pre-
certification from Insurance company.
If you have not met the deductible according to your policy coverage, you have to pay the deductible. If the plan does not have PPO Network, it is
option for doctor/hospital either they may send the bill to the Insurance company or to you. If doctor/hospital does not want to send bill to the
company, you can make the payment and get reimbursement for covered medical expenses from Insurance company.
Q: Can I visit any doctor/hospital?
A: Yes, you can visit any licensed doctor/hospital. Some plans are under PPO network. If your plan has that option, we recommend you to visit
those doctors/hospitals that are under PPO network to get negotiated rates for treatment.
Q: When should I go to doctor, urgent care center or emergency room?
A: Please use your best judgement to pick type of provider/facilty.
When to go to the doctor: If it is not an emergency, it's best to go to doctor's office for medical care. If your plan has PPO network then it is always
recommended to us that provider list.
When to go to an urgent care center: When you need immediate medical attention, but your condition isn't life-threatening, consider an urgent
care center, if there is one in your area. You can get treated for many minor problems which are not life-threatening.
When to go to the emergency room: When injuries or symptoms are truly life-threatening, it's time to head for the emergency room. Some
examples of emergencies are large open wounds, head injuries or chest pain. In an emergency, no matter if you are at home or out of town, call
911 or go to the nearest emergency room.
Q: If I have a plan which has PPO network. What difference is between if I visit doctor/hospital that is under PPO network or non PPO
network?
A: In PPO Network: The Company pays a negotiated amount of money to doctor/hospital for each medical service. In this case, you are paying
less money for treatment to doctor/hospital.
Suppose you go to doctor and he charge $100/visit to his patients. If that doctor is under PPO network then company would have negotiated rates
with doctor that company would pay him such as $60/visit for service. That means you are saving $40 in your medical treatment bill.
Non-PPO Network: There are no negotiated rates. So, the bill would be same that doctor/hospital charges to other patients. Suppose you go to
doctor and he charges $100/visit to his patients. Then, you bill would be $100/visit for that service.
Q: Do I have to call Insurance company first, before I visit doctor/hospital?
A: No, you can go to doctor/hospital and show them ID card (provided by Insurance company) and they will contact the Insurance company to get
pre-certification.
Q: If my parents are returning early, can I cancel the plan? Would Insurance company charge any cancellation fee? How would I get refund?
A: Yes, You can cancel the plan any time.
Yes, Insurance company charge cancellation fee. Different companies have different cancellation fee and policies.
Note: Insurance Company would only refund you premium back, if you have not submitted any claim. If you have submitted any claim Insurance
company would not refund your premium.
You would get the refund exactly the same way you initially paid the premium to purchase the plan. Suppose you paid the premium by credit card
then company will refund you money on credit card.
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Important Disclaimer: As per our knowledge and experience, we have tried to provide answers of FAQ's but there is no guarantee of accuracy of these answers. The exact
answers can vary time to time due to the change in Insurance companies policies/rules. Please use this information at your own risk. If you have any question/doubt, we
strongly recommend you to contact us.
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Copyright © 2006 - 2008 MCIS Multichoice Insurance Services, LLC. All rights reserved
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