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I am looking at buying the Patriot America insurance for non-US citizens traveling to the USA. What I do not understand is that 'they pay 90% of the first 5000 and 100% after." Does that mean you are liable for only $500? When I went into the coverage, it was broken up into sections, like: ambulance care, hospital care, scans, etc. Each of those then say 'they pay 90% of the first 5000 and 100% after." Does this mean that I have to pay the $500 for each kind of service that might be used, rather than on the total bill? For example: Let's say I am run over on holiday then 1) I get transported by ambulance, 2) Then treated in the hospital, 3) I have scans and 4) I have medicine to pay for. Am I liable to pay 4 lots of $500 or just $500 for that 1 event?

jessica shackleton, 06 Sep 2013

Your understanding is correct on the first part in that the network plan pays 90% for the first $5,000. Which means after the deductible, your responsibility is 10% for up to $5,000. That is indeed $500. And insurance pays for covered expenses up to the policy limit. The amount is combined is applicable for all of your bills, within your policy period. You do not pay each time. Bascially your maximum responsibility  can be 1. In-Network: Dedctuible + $500 ( i.e. 10% of first $5000) In-Network. 2. Out-of-network: Dedctuible + $1000 ( i.e. 20% of first $5000)

Here are the plan details: Patriot America Insurance

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