Visitor health insurance programs for visiting parents include fixed coverage and traditional co-insurance plans. Illness and injuries are covered under these plans reducing the family's financial burden during a medical emergency.
Important cost factors when considering visitor medical insurance include the policy type, age of the parent, deductible selected and pre existing condition coverage. The cost of traditional co-insurance plan is typically higher than fixed coverage plans for individuals 50 and older because reimbursement levels for in-patient and out-patient services do not have maximum limits. The higher cost of the traditional policy does not insure a lower out-of-pocket expense for any given medical emergency; however, with many costly emergencies, the traditional plans will cap the maximum out-of-pocket expenses at a specific level when MultiPlan (PPO network) providers are used.
Higher deductible amounts can reduce the overall monthly premium from 5% to 25% for the same policy coverage. When evaluating the deductible for parents visiting more than 3 months, selecting the higher deductible can be an effective budget tip. For visitors 65 and older, the scheduled benefits coverage plans are often more cost-effective. When evaluating the scheduled benefits coverage plans, consider selecting a higher deductible with higher coverage limits to provide the most cost-effective coverage for your family member.
Importantly, if either parent has a pre existing medical condition such as diabetes or high blood pressure, consider the Standard Plan or Comprehensive Plan with Pre Existing Condition Coverage.
When evaluating visitor health insurance for family members visiting the US from India, consider their existing their individual medical history, flexibility of travel plans and the overall convenience of administrating claims when deciding on visitor medical insurance.
Medical history is different for every family. If one member has pre existing conditions such as diabetes or high blood pressure, that family member may benefit from a policy with pre existing conditions. Since these policies include a rider that is more costly than a standard policy, consider separate policies for the family members.
If one parent has business obligations or a family member in the home country that may require attention, consider individual policies and when possible, enroll for a shorter time frame than the expected stay. Policies cannot be cancelled after the effective date. If the visitor with the obligation is required to leave earlier than expected, the policy can be renewed for the parent that remains in the US for the balance of the trip.
It also makes sense to use one insurance company when enrolling in either a single or combined policy. If an incident occurs where both parents file claims, dealing with one provider is much less complicated. The efficiency and convenience is much more important than shopping to save pennies a day with two insurers.
With India Network Health Insurance, the price for the second individual is the same as the first individual. Health insurance policies require a few minutes to enroll and a small administrative processing fee for first time enrollment or policy renewal. Weigh the time and small fee when making your final decision for visitor health insurance.
We are very pleased to announce that the award winning health insurance plan covering pre-existing conditions for visitors of all ages (0-99 years old) has been extended till December 31, 2011. We are thankful to the loyal members of the community for their support and commitment to the programs sponsored by India Network Foundation. Several members expressed their concern and extended their support to continue the offering of the plan beyond July 1, 2011. Extensive negotiations and reviews made it possible to extend the plan. However, the premiums may raise any time for the health plan covering pre-existing conditions. Please spread the word about the plan and it helps to have a large base to negotiate better rates and coverage for the benefit of all members of the community of visitors.
India Network Premier health insurance has been helping many families for the past few years. The plans have paid more than 10 million dollars for claims in the past. The expenses in offering the premier plans far exceed of any other plan in the market today. These plans are real benefit to elderly visitors helping them with major illnesses.
India Network is taking on more and more sick visitors. We need younger. and healthly visitors as well to balance. Hence, we are restricting enrollment to Premier Plans (Pre-ex condition coverage plans) to existing members and their relatives as of December 31, 2011. We love to help all visitors coming to the United States but can only do so with your help. Spread the news about India Network Health Insurance to all your friends. This would help us continue to offer quality valuable coverage to elderly visitors.
India Network Health Insurance coverage for Dental, Vision and Rx is very limited, i.e., available only in case of accidental injury to sound natural tooth. However, some kind of coverage for Dental, Vision and RX is highly desirable for elderly visitors. India Network recommends
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Individuals residing outside their home country are eligibile for India Network Medical Insurance. This includes visitors planning to visit family in the US, Indian nationals already in the USA, temporary residents (students) and permanent residents (green card holders but not US citizens). India Network Health Insurance is available worldwide when traveling outside your home country.
India Network Health Insurance is pleased to announce a 33% average premium reduction for selected India Network Health Insurance Programs effective June 2011. Thanks to overwhelming support and participation of community at large, India Network continues to offer excellent health insurance benefits that are unmatched by the market place for all non-US citizens in the United States or traveling anywhere outside their home country.
Most impacted are students and individuals 29 and under with up to 50% savings in monthly premiums. India Network Health has cut monthly premiums an average of 35% for visitors and temporary workers age 30 to 59. These low premiums, when coupled with the reimbursement benefits, compare favorably to many large corporate health insurance plans.
The Traditional Plan is known for its cost containment by using a PPO Network. Policy holders are responsible only for 20% of the first $5,000 medical expense and after that the plan is designed to cover 100 percent of your medical expenses. Please note that the Traditional Plan does not offer coverage for pre-existing conditions. The Premier Plan is recommended for visitors seeking pre-existing condition coverage.
Traditional Plan monthly premiums can be viewed at http://www.kvrao.org/tr_plan.php
To have peace of mind when traveling abroad, keep in mind the benefits of travel medical insurance. Should a medical emergency occur, your attention is placed on the health of the traveler, not on the methods and responsibility of payment. Consider a plan with pre-existing conditions if the family member is taking medication or has diabetes. Unique to the visitor medical insurance industry, the Premier Plan from India Network Health Insurance offers pre existing condition coverage for all age groups, covers heart attacks and does not have a look back period.
Keep in mind the basics of traveling abroad. Get a check-up before you depart, bring appropriate medications to cover the duration of your stay, eat healthy and give yourself a few days for your body to adjust to the new time zone before scheduling too much activity.
Claims for the open-network Standard or Premier Plans with India Network Health Insurance follow one of two processes.
Direct Claim with the Provider and Chartis Claims or Administrative Concepts, Inc. (policies enrolled through ACE American Insurance Group): This is the typical scenario with a hospital. The visitor presents the India Network Health Insurance enrollment ID to the provider. The hospital follows administrative procedures by contacting India Network, the plan administrator. The visitor medical insurance and deductible amount is confirmed for the visitor. The India Network Health Insurance ID satisfies the provider with documentation for insurance payments. The visitor is responsible for the deductible amount and the provider works directly with the claims processor for payments in excess of the deductible amount. The member sponsoring the visitor has no involvement for payment with the provider. Any amounts over the reimbursed levels will be the responsibility of the visitor in this scenario.
Claims made by Visitor or Member directly with Chartis Claims or Administrative Concepts, Inc. (policies enrolled through ACE American Insurance Group): This may occur with a doctor visit or multiple visits in excess of the deductible amount. For example, a visitor has a $150,000 Maximum Coverage Standard Plan with a $75 deductible. The visitor has two doctor visits for the same incident. Each visit is $125. In this scenario, the visitor presents the India Network Health Insurance ID. The administrative staff at the facility request full payment of $125 at the time of visit. To expedite reimbursement, the visitor prints the India Network Health Insurance Claim Form from the website at http://www.kvrao.org and has the provider complete their required section. The patient section is completed by the visitor at which time the Claim Form can be sent to the claims process mailing address. In this example, the visitor will receive reimbursements of $50 for the first visit and $125 for the second visit. The claims must be requested within 90 days of the visit.
With the Traditional Plan, India Network Health Insurance recommends using providers in the MultiPlan network. Providers are available from a link on http://www.kvrao.org. The visitor presents the India Network Health Insurance ID to the provider. The hospital follows administrative procedures by contacting the claims office directly where the visitor medical insurance and deductible amount is confirmed for the visitor. The India Network Health Insurance ID satisfies the provider with documentation for insurance payments. The visitor is responsible for the deductible amount and the provider works directly with claims processing for payments. Once the $250 deductible is met, services performed by MultiPlan providers are reimbursed at 80% for the first $5,000 and 100% up to $150,000 for ages 69 and under. If providers outside the MultiPlan network are used in the Network based (80/20) Comprehensive Plan, co-insurance is reduced to 60% reimbursement for the first $5,000.