How Visitors Care Insurance Works?
How does this plan pay?
The Visitors Care is a fixed dollar based limited coverage plan. The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the Plan Brochure and the Description of Coverage. The policy maximum is just the outer limit, but there are limits to every service or treatment.
How does this deductible work?
The deductible is the first amount of the covered bill that is the insured person's responsibility. The insured person has to first satisfy the deductible, before the insurance starts paying for eligible treatment and services. Depending on the plan, the deductible can be per incident or once per policy period.
How is the deductible applied to the fixed benefits?
The deductible for limited coverage plans is applied to the amount the doctor's charge. For example, if the plan pays $3,000 (fixed benefit amount) for a covered surgery and the total cost is $15,000, the insurance would only pay a maximum up to $3,000. If you choose a $100 deductible, the deductible would apply to the total bill owed to the medical provider. Any amount over the fixed benefit will be the responsibility of the insured person.
What is the Life of Policy deductible?
The Deductible for the Visitors Care plan is one time in a continuous 12 months period. If you renew the policy beyond 12 months, a new deductible would apply..
Visit any doctor or hospital
The Visitors Care plan participates in the First Health network. However, an insured person can visit any doctor or hospital of their choice. By visiting an in-network provider, rates for medical treatments and services may be lower.
What are Plan Eligibilities?
The Visitors Care plan eligibility mention below.
To see a full list of benefits, visit the Visitors Care Insurance Plan Details Page
Plan features listed here are 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.