Inbound USA 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; the insured must cover the difference for any procedures or treatments that exceed the fixed amount covered by the plan. 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. After the plan reimburses you for the fixed amount it covers, you are responsible for paying the rest.
When using your Inbound USA Insurance policy, you must first pay your deductible before the plan pays for any covered benefits. Only after the deductible is satisfied will the plan begin to pay for covered expenses up to the fixed amount.
After you receive the treatment or service, the doctor or hospital will either send the bill directly to the insurance company, or you will be required to pay upfront and will have to file a claim later for reimbursement. 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 USA Insurance brochure for complete details.
Benefits for Age 14 days - 69 years:
|Dr. / Physician Visit||$55 per visit||$70 per visit||$85 per visit||$110 per visit||Surgical Treatment||$3,300 per Incident||$4,400 per Incident||$5,500 per Incident||$7,150 per Incident||Lab & X-rays||$450 per Incident||$475 per Incident||$500 per Incident||$650 per Incident||Hospital Room||$1,400 per day||$1,675 per day||$1,950 per day||$2,535 per day|
Benefits for Age 70 - 99 years:
|Dr. / Physician Visit||$55 per visit||$75 per visit||Surgical Treatment||$2,750 per Incident||$3,850 per Incident||Lab & X-rays||$400 per Incident||$560 per Incident||Hospital Room||$1,050 per day||$1,470 per day|
-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 USA Insurance is a limited coverage plan, which means there is no PPO Network. When using your Inbound USA Insurance policy, you may visit any doctor or hospital of your choice. The doctor, hospital, or other service provider may send the bill directly to the insurance company, or they may require you to pay upfront and file your claim for reimbursement later.