How does the Inbound Immigrant Plan Work?

Inbound Immigrant Insurance is a limited coverage plan, which means that it pays a fixed amount per incident, per person. Each benefit covers up to a certain amount; any medical bills that exceed the covered limit are only partially paid for by the insurance company. Any amount that exceeds the benefit limit is your responsibility. For example, if you visit a doctor, the plan might reimburse you only a fixed amount for the visit, regardless of what the doctor's bill amounts to. You are responsible for paying the rest of the bill.

Before Inbound Immigrant begins paying for covered expenses, you must satisfy the deductible. Only after you pay your deductible will your insurance benefits begin paying for covered treatments up to the fixed amount.

When using Inbound Immigrant Insurance at a doctor, hospital, or other medical service provider, the bill will either be sent directly to the insurance company, or you will be required to pay upfront and file a claim for reimbursement later. In either scenario, you must file a claim.

For coverage within USA:

First: You satisfy accumulated medical expenses until your deductible is met.
Then: Insurance pays fixed amount per eligible medical service as outlined in the benefit table below, up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the Inbound Immigrant Insurance Brochure for complete details.


Plan A
($50,000 policy)
Plan B
($75,000 policy)
Plan C
($100,000 policy)
Plan D
($130,000 policy)
Dr. / Physician Visit Up to $38/visit, 10 visits max Up to $56/visit, 10 visits max Up to $75/visit, 10 visits max Up to $100/visit, 10 visits max
Surgical Treatment Up to $2,100 Up to $4,800 Up to $5,800 Up to $7,200
Lab & X-rays Up to $250 Plus $325 for CAT, PET, or MRI Up to $375 Plus $325 for CAT, PET, or MRI Up to $500 Plus $975 for CAT, PET, or MRI Up to $575 Plus $975 for CAT, PET, or MRI
Hospital Room Up to $1,500/day, 30 day max Up to $2,000/day, 30 day max Up to $2,500/day, 30 day max Up to $3,000/day, 30 day max
Plan J
($75,000 policy)
Dr. / Physician Visit Up to $65/visit, 10 visits max
Surgical Treatment Up to $3350
Lab & X-rays Up to $450 Plus $325 for CAT, PET, or MRI
Hospital Room Up to $1250/day, 30 day max

Note:

-Deductible is per incident, which means you pay the deductible for every new medical problem for which you go to the doctor or hospital.

-Policy maximum is the overall limit the insurance will pay per incident. The limits mentioned in the above limits are applicable per incident.

Visit Any Doctor or Hospital

Inbound Immigrant Insurance is a limited coverage insurance policy, so there is no PPO Network. This means that you can visit any doctor or hospital of your choice. After receiving the treatment or service, the medical service provider will either bill the insurance company directly or have you pay upfront and file a claim for reimbursement later.