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.
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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 For this reason, it is possible that the information given here could be outdated or incorrect.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.
