Overview
Patriot America Plus is a comprehensive coverage plan for non-U.S. residents traveling outside their home country. You can obtain an instant quote and/or purchase online on this website. The insurance coverage can start as early as the next day or any future date you specify. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
Patriot America Plus is very similar to Patriot America Lite. However, Patriot America Lite does not cover any expenses related to pre-exisiting conditions while Patriot America Plus covers an acute onset of pre-existing conditions up to the policy maximum for people below the age of 70 years.
Prescription drugs are covered up to the lower amount of either the policy maximum or $250,000. More information.
Urgent Care visits in the U.S. are coverage at $25 per visit. Visits to a Walk in Clinic are $15 for each visit. If you choose a $0 deductible then there is no copay for either type of visit.
Dental is covered only up to $300 for acute pain to sound and natural teeth or up to the policy maximum for treatment provided at a hospital due to an accident. For any practical dental coverage, consider a low cost plan from Careington that provides excellent coverage.
Patriot America Plus provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your deductible per certificate period (varies from $0 to $2,500) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.
After that, within the United Healthcare PPO Network, the plan pays 100%. Out of network, the plan pays 80% of the next $5,000 of covered expenses, you pay 20%. In other words, for in network coverage, you will only have to pay your chosen deductible; but with out of network coverage you will have to pay a maximum of $1,000 out of your pocket towards the 20% coinsurance. (You don't have to pay this 20% for expenses incurred outside the U.S.)
Example:
Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need to visit several times.
The first time you visit the doctor within PPO network, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the doctor within the PPO network the next time, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your deductible per certificate period. Out of the remaining $50 after your deductible, the plan pays 100% to the policy maximum; if you had gone out of the network the plan would have paid 80%, which is $40 and you would pay 20% which is $10.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 100% up to $50,000.
If you go out of the PPO network, it would pay 80% for the first $5,000 of covered medical expenses, and you pay 20% (that is maximum $1,000). After that, the insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 2 days in a hospital within PPO network. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible and the insurance company will pay the rest.
Even if you extend your insurance after the initial 3 months, you don't have to pay the deductible again.
Benefits Updated: 05/01/2024