Eligibility Is Simple Our international health plans are designed for global citizens and foreign nationals of all ages, including students, seniors and retiree's residing abroad for a pro-longed period of time. If an applicant is under the age of 18, they must be accompanied on the plan by an adult (no child-only plans available).
Quick Approval Process We offer next-day approval on expat plans; if a customer applies today and is approved for their plan, the coverage can begin the following business day as long as we receive the initial premium payment. So basically you can be covered 48 hours from submission of your application.
Are Pre-Existing Conditions Covered? We offer a stream-lined underwriting process and ask only 5 health questions during our online application process. Depending on the severity of the Pre-Ex condition underwriting may decline coverage if they feel you are not fit to travel or we offer 3 possible approval outcomes: 1) Approved w/ no exclusions 2) Approved w/ pre-existing condition excluded 3) Approved w/ rate-up (underwriting offers to increase the monthly premium in order to have the pre-existing condition included) 90% of applications fall into these three approval types.
How do I choose a provider? When inside the U.S.A., clients have the ability to search for a provider within our national PPO network directory, Open Access Plus. Outside of the U.S.A., all providers are considered in-network and some of these providers already have established electronic claims relationships with U.S.A., making the claims procedures simple. We have a directory of these "Direct pay" providers that we encourage customers to choose from however you can go to a provider not on this list as well. We just ask the client to call our claims department in advance (if possible) so that we have the ability to make payment arrangements and avoid you having to pay out of pocket.
Do these plans include maternity coverage? Our Silver plans do not include maternity benefits however both the Gold and Platinum plans do after a mandatory 12 month waiting period.
Are prescriptions covered? All prescriptions administered in the hospital are covered in full under the Inpatient section of our plan. Outpatient prescriptions (prescriptions administered outside of the hospital) are covered only if the Outpatient option is selected. Fertility Drugs and Birth Control are standard exclusions.
Do these plans cover me in my home country? Yes, we automatically include a maximum of 90 accumulative days of home-country-care per year in all countries except the U.S.A. For U.S.A. citizens going abroad there is an additional charge to add 90 days of U.S.A. home country care option.
Do these plans cover me in all countries, or just in the selected destination country? These plans offer global coverage and benefits can be used 365 days/year in all countries except for the client's home country of citizenship (at-home care limited to 90 days only).
Do these plans offer Vision or Dental coverage? Emergency Vision and Dental Care is included within the Inpatient section of our plans. Routine vision and dental care is only covered if the ‘Vision & Dental’ option is selected.
Am I covered for routine or preventive services? Preventive care and routine services are covered in full only if the ‘Health & Well-Being’ Option is selected.