Advantage Of Choosing A U.s. Visitors Insurance Plan


by Ray Sondeo - Date: 2008-11-03 - Word Count: 381 Share This!

The United States is distinguished from many other nations by a particularly developed visitor insurance system. American's themselves expect certain benefits in an individual health insurance policy and the companies typically offer this.
Most companies that offer visitor health insurance policies in the U.S. are long-serving. Many are ranked by a letter system that is primarily based upon their financial viability. Foreign insurance companies are not typically ranked in this manner and their length of incorporation is difficult to determine. Some US providers lack familiarity with 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 lower 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 visitors medical 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.
American insurance companies typically allow their clients to choose between a fixed-rate and a comprehensive plan, depending on their particular needs. Some foreign policies have strict age limitations, not allowing insurance for those over 70 years in age. Many foreign nations also lack the regulation to which US companies are subject.
When billing disputes arise and insurance companies fail to meet their financial obligations to doctors or patients, the US system allows for the filing of grievances to regulators. Many nations lack this regulatory recourse.
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 health 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.

Related Tags: health insurance, travel insurance, family finances, family finance, family health, health insurance plans, visitor health insurance, insurance and finance, insurance for fl travelers, international travelers insurance, travel essentials, travel articles

Ray C Sondeo is a professional in the insurance industry.

Your Article Search Directory : Find in Articles

© The article above is copyrighted by it's author. You're allowed to distribute this work according to the Creative Commons Attribution-NoDerivs license.
 

Recent articles in this category:



Most viewed articles in this category: