Patriot America 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, and better percentage of coverage. The Patriot America plan is part of the First Health PPO network. To search for nearby providers in your area visit Patriot America 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 Patriot America plan is one time in the policy period or once annually, if you have the policy continually, without break for 12 months. If you need to have the policy continuously, for more than 12 months, then after 12 months, a new deductible would apply. If the policy expires, and you need to buy a new policy, then the deductible would reset again. The Patriot America Plan is available for a maximum of 2 years.
Coverage within PPO Network in USA & Internationally Outside USA
In USA the Patriot America coverage varies slightly,if you visit a provider within or outside the First Health PPO Network.
Within the First Health PPO Network and Internationally Outside USA, : After the deductible is met by the insured person, the plan pays 100% up to the policy maximum. Outside the PPO network: After the deductible, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum. Any amount above the policy maximum is the insured persons responsibility.
For Coverage outside PPO Network in USA
In the USA, Outside PPO Network after the deductible is met, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the Patriot America Insurance brochure for complete details.