How does ChoiceAmerica Insurance Plan Work?

How Does the Plan Pay
Choice America is a fixed dollar based limited coverage plan.The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the plan brochure and the Description of Coverage.The policy maximum is just the outer maximum

What is the Deductible? How many times does it apply?

The deductible is the first amount of the covered bill that is the insured person's responsibility, before the insurance starts paying. The insured person has to first satisfy the deductible, before the insurance starts paying. The Deductible for the Choice America plan is one time in a continuous 12 months period. If you renew the policy beyond 12 months, a new deductible would apply.

How Does the Deductible Work?

The Choice America plan pays a limited amount for every service and treatment. The deductible for limited coverage plans, is applied to the fixed benefit amounts, and not the amount that the doctor's charge. For example, for a $50,000 policy maximum, the plan pays $3,300 for covered surgeries, for people below 75 years of age. Now the surgery can cost $15,000 or $40,000, the insurance would pay a maximum up to $3,300. If you choose a $100 deductible, the deductible would apply to the fixed amount $3,300, and not the bill amount that the providers charge. The insurance would pay $3,300 (fixed benefit amount)-$100 (deductible) = $3,200

Where does the Choice America Plan Cover?

The Choice America plan covers in USA, Mexico and Canada for Non US citizens and Residents.

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 Choice America Brochure for complete details.

Plan A
($50,000 policy)
Plan B
($100,000 policy)
Plan C
($150,000 policy)
Dr. / Physician Visit $65/visit, 10 visits max $90/visit, 10 visits max $130/vist, 10 visits max
Surgical Treatment $3,500 $4,500 $8,000
Lab & X-rays $850 $1,000 $1,400
Hospital Room $1,400 per day/ 30 days max $2,000 per day/ 30 days max $3,000 per day/ 30 days max

Visit Any Doctor or Hospital

Choice America is a limited coverage plan. It does not have a PPO Network. This means that you can visit any doctor or hospital of your choice when using your Visitors Care policy. The healthcare provider will either bill the insurance company directly or have you pay upfront and file a claim for reimbursement later.

Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
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