The Cover America Gold is a percentage based comprehensive plan. The plan covers for any unexpected sickness or injury that starts after the policy becomes effective.
Which doctor to go to?
You can go to any doctor or hospital of your choice. However it is better to go to a doctor within the PPO network to get better provider rates. To search for nearby providers in your area visit Cover America Gold Insurance Providers
How does the Deductible Work?
The deductible is the first amount of the covered bill that is the insured persons responsibility, before the insurance starts paying. The deductible for the Cover America Gold plan is one time in the policy period. The Plan is available for a maximum of 364 days.
Coverage within PPO Network in USA & outside USA
After the deductible, the plan pays 100% up to the policy maximum, for all covered services. Any amount above the policy maximum is the insured persons responsibility.
For Coverage outside the PPO Network in USA:
Outside the United Health Care PPO Network in the USA, after the deductible is met, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum, for all covered services.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the Cover America Gold Insurance Brochure for complete details.