How does payment for medical treatment work?

The billing process is the discretion of the providers. For bigger situations like hospitalization, surgery etc, providers will usually bill the insurance company directly. For smaller situations like a doctor consultation, providers may ask the insured person to pay up front and then get reimbursed. Limited plans, like ChoiceAmerica, pay a fixed dollar amount for every service and treatment. The policy maximum is just the outer limit. The deductible is also deducted from the fixed benefit amount, and not the amount that the provider charges.

Can't find the answer?
Ask one of our licensed travel insurance consultants

Ask An Expert

Insurance rates are regulated by law.
You can't find the same insurance plan for a lower price anywhere else.

Similar Questions

Do your travel insurance plans offer direct billing?

Like all travel insurance policies, the billing process is at the discretion of the provider. It depends on the billing practices of the provider the insured person chooses to visit. Usually for bigger medical situations…

Are medical bills covered 100% by travel insurance?

This varies by plan, the area you are in, types of services received, etc. Additionally, it is never guaranteed that travel insurance will pay 100% for any given medical service or treatment. However, for visitors…

Can I purchase another visitors insurance to cover my bills exceeding policy…

Because travel medical insurance does not typically cover for pre-existing conditions, it is unlikely that a new policy would cover for a procedure that has already taken place. You may try to negotiate with the…

Which travel insurance plans offer direct billing?

It is entirely up to the provider whether they want directly bill the insurance company or require the insured to provide upfront payment. You may inquire with the doctor or facility before seeking treatment regarding…

Is there a monthly payment plan for Travel Insurance?

You can choose to either pay the amount up front in full, or purchase the plan for 1 month initially, and then continue to renew it for a maximum period of 12 months. The downside…

I called a couple of doctors from the PPO network list, but…

Direct Billing or Cash Payment Upfront? It is always up to the doctors discretion on how they will bill. Regardless of if the doctor is under the PPO network or recognizes your plan or not,…

Disclaimer

Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our terms and conditions and user agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.