How does the International Major Medical Plan Work?

The International Major Medical 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. The International Major Medical participates in the First Health PPO network.

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 International Major Medical plan is one time in the policy period. The Plan is available for a maximum of 11 months.

Coverage Area- Only U.S.

The International Major Medical Plan covers for Non U.S. citizens and Non U.S. residents traveling to the U.S. It does not provide coverage outside the U.S. 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.

Example
$15,000 Hospital Bill
$500 Deductible
$100,000 Policy Maximum

You Pay $500 Deductible

Insurance Pays $14,500 Up to Policy Maximum

Read the International Major Medical Plan Brochure for complete details.