How does the Liaison Travel Choice Plan Work?

The Liaison Travel Choice 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 Liaison Travel Choice plan is part of the United Health Care PPO network. To search for nearby providers in your area visit Liaison Travel Choice 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 Liaison Travel Choice plan is one time in the policy period. The maximum policy period is 364 days. If you need to have the policy continually for more than 364 days, a new deductible would ally after 364 days. The Plan is available for a maximum of 3 years.

Coverage within PPO Network in USA & outside USA

After the deductible, within the PPO Network, the plan pays 90% for the first $5,000 and then 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

You Pay $500
10% of first $5000 after deductible

Insurance Pays $14,000 Up to Policy Maximum

For Coverage outside the PPO Network in USA

Outside the PPO Network, plan pays 80% for the first $5,000 and 100% after that.

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

You Pay $500 Deductible

You Pay $1000
20% of first $5000 after deductible

Insurance Pays $13,500 Up to Policy Maximum

For Coverage outside USA :

Outside USA & Canada, after the deductible is met, the plan pays 100% up to the policy maximum, for all covered services.

All expenses beyond the policy maximum are the responsibility of the insured.

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 Liaison Travel Choice Insurance brochurefor complete details.

Disclaimer

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.