Visitor Travel Health Insurance FAQ - 5

	Can I go to any doctor/hospital, or am I limited to specific medical practitioners?
	This will vary for different insurance plans. Some plans allow you to visit any medical practitioners, while others have their provider network. In the latter case, if you visit a doctor/hospital within the provider network, the fee will be a standard rate that has been agreed between the insurance company and the provider. However, if you visit a provider outside of the insurance companies provider network, there may be a difference between the amount charged to you and the amount the insurance company considers reasonable. In this event, you will have to pay the difference between the two.

	How do I find out which doctors are part of a given insurance network?
	You can also get this information by calling the toll free number of the insurance company or by visiting the insurance company web site. The toll free number should be on the insurance card that you receive on purchasing the insurance plan.

	Can you give an example of my medical expenses with different insurance plans?
	This really depends on the policy. For example if your medical bill is $24,000. Scenario 1: After deductible, policy covers up to a maximum of $50,000. Here your expense is the only the first $100 deductible. Thus your final expense is only $100 while the insurance company will cover the remaining $23,900. Scenario 2: Deductible is $100 with Maximum coverage of $50,000. Policy covers 80% of first $5000 then 100% to the policy limit. So your expense is the first $100 deductible followed by 20% of first $5000, which is $1000. Thus your final expense is $1100 while the insurance company will cover the remaining $22,900. Our insurance comparison engine allows you to evaluate different plans based on deductible cost.
	Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?

	On purchasing insurance from an American insurance firm, you will receive an insurance card with details about your insurance. When you visit the doctor/hospital, the billing office at the hospital will usually make a photo-copy of your insurance card, call the insurance company to verify your policy, and will then bill the insurance company directly. You will have to pay the deductible amount. In some instances if the medical office has not dealt with this particular insurance company, they might insist that you pay the bill on receiving medical treatment. In this scenario, you would get an detailed bill, which should be sent to the insurance company for reimbursement. ServeGlobe advises policy holders to visit hospitals with in the provider network wherever possible.

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ServeGlobe and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. ServeGlobe is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.

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