Monday, October 27th, 2008 at
3:06 am
The many companies that offer visitors insurance plans contain benefits that Americans expect to find within a health insurance policy. For this reason, it is believed that the United States offers a superior visitors medical insurance system when compared to other countries.
Most American companies that offer visitor insurance have been in business for quite a long time. Letter-grade ratings are earned by these companies based upon their respective financial position. Conversely, foreign companies may be very new and receive no independent ratings from a comparable system. It can become a problem when U.S. providers are unfamiliar with the terms of foreign insurance policies.
Visitors insurance policies issued by U.S. companies typically use a preferred provider organization, or PPO network. These networks contract reduced pricing with health care providers to perform services at a discounted rate. The PPO network also allows health care bills to be directly sent to the insurance company. Foreign insurance companies may promise that their coverage is accepted everywhere, but this decision is usually left to the providers themselves.
Insurance cards are issued to customers who hold a visitor insurance plan through an American company. Doctors’ offices will typically request a copy of this card upon entry. Foreign visitor insurance companies don’t always issue an insurance identification card, presenting problems in paying for services. Without a card, most providers won’t be willing to bill a company overseas.
Customers also have the choice of a ‘fixed benefits’ or ‘comprehensive’ plan through American insurance companies. Foreign companies enforce strict age restrictions, and may refuse to cover anyone over the age of 70. The lack of legal regulation of insurance companies overseas prevents transparency and equitable coverages.
Grievances may be filed with insurance regulatory committees in the U.S. when an American insurance company does not pay claims appropriately. These greviances organizations do not exist for regulation purposes abroad.
Travelers should remember that price is not the only factor to consider when shopping for insurance for visitors. When comparing U.S. company rates to foreign company rates, the customer will typically receive the level of coverage and service they pay for.
Obviously visitors insurance is an essential part of traveling. Differences between American company and foreign company offerings should be examined closely. U.S. companies will typically offer better services and guarantees of payment; this type of security is difficult to find in foreign insurance policies.
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