Patriot America Lite Insurance for Visitors to the USA
Patriot America Lite Insurance is a standard comprehensive plan for foreign residents as visitors to the USA, and outside home country, purchase coverage exactly from 5 up to 365 days, renew up to 24 months.
COVID-19 / SARS-CoV-2: Patriot America Lite Insurance purchased on or after March 11 2020, COVID-19 will be NOT be covered and testing/treatment will be excluded from coverage. The Novel Coronavirus Disease, COVID-19, was declared a pandemic by the World Health Organization (WHO) on this date, hence the exclusion applies per the policy certificate of insurance document.
Patriot America Lite Insurance meets the health coverage needs of visitors to USA and travelers to America, who are visiting USA, or any other nation outside home country. Patriot America Lite plan provides coverage for individuals and families who need temporary medical insurance while traveling for business or pleasure anywhere outside of home country of residence.
- Quote and Buy Patriot America Lite Insurance online
- Review the Patriot America Lite Insurance Brochure
- Review the Patriot America Lite Insurance Certificate
IMG Patriot America Lite plan is a short-term travel medical coverage for sickness/injury and includes visitors insurance features such as medically supervised emergency evacuations, emergency reunions or repatriation of mortal remain as part of the included coverage benefits. Patriot America Lite Visitor Insurance plan include optional Home Country Return Rider, which provides temporary medical coverage for non-US citizens returning to their country of citizenship. The policy is available in daily and monthly rates, and is renewable up to 24 months.
Claims and policy administered by International Medical Group, Inc. (IMG), and coverage underwritten by SiriusPoint Specialty Insurance Corporation.
Patriot America Lite Insurance Review
Plan for Travel to USA or Intl. COVID-19
Notes: Standard policy is a budget comprehensive plan w/ basic benefits for visitors to the USA, coverage NOT included for Covid-19 or sudden relapse with acute-onset pre-existing conditions.
Eligibility: Any foreign resident individuals and/or dependent family, visiting the USA and other other nations outside home country. The plan is available for both foreign nationals and expat US citizens visiting the U.S.
Coverage Duration: Minimum of 5 days to maximum of 1 year (365 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $2,500
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: For treatment received within USA, plan uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO) network (depends on insured home country), NO co-insurance applies when you stay within the IMG PPO network to consult a doctor or hospital for medical care.
Renew or Extend: Plan is renewable, Renew for total duration of 24 months of coverage.
Other Highlights
- Foreign residents visiting USA and other nations
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions NOT covered
- NO coverage for coronavirus / Covid-19
- Quote & purchase online for single trip
Patriot America Lite Insurance Highlights
- Short-term visitor medical plan for USA visitors
- Coverage for individuals, dependent families, or groups
- Maximum limit choices of USD 50K, 100K, 500K, and $1 million
- Maximum limit choices lowered for ages over 70 years
- One time deductible options range from $0 to $2,500
- Plan is available in daily and monthly rates
- Extend or renew policy to 24 months total duration
- Wide PPO network of doctors, hospitals, and other providers
- Freedom to seek treatment within or outside PPO network
- Save on co-insurance costs within PPO network
- Universal Rx pharmacy discount savings included
- Access policy certificate on the Client Dashboard online
Patriot America Lite Insurance Suits
- Relatives/Parents visiting USA from overseas
- Summer interns on a summer program in America
- International tourists or vacationers in the U.S.
- Business travelers attending a summit or trade expo in USA
- Foreign au pairs and nannies with families in USA
- New immigrants needing interim coverage in USA
Patriot America Lite Insurance Information
IMG Patriot America Lite plan is designed for relatives/parents visiting USA or international travelers from abroad visiting America as the destination country.
Patriot travel medical insurance comes in two available choices: Patrio America Lite for the foreign residents visiting USA and traveling to any other foreign country, and Patriot International Lite for non-US and US citizens who are traveling abroad to any overseas destination outside the U.S. of America.
- Patriot America Lite is for foreign nationals visiting USA or traveling outside their home country of residence.
- Patriot International Lite is for non-US or US citizens traveling abroad to any overseas destination.
Patriot America Lite Insurance - Plan Overview
Patriot Travel Health Insurance review of plan highlights:
- Patriot Travel Medical Insurance comes in two available choices: Patriot America Lite for the foreign nationals visiting USA and traveling to any other foreign country, and Patriot International Lite for non-US citizens who are traveling outside America or US citizens who are traveling abroad to any overseas destination.
- Patriot America Lite Insurance is for foreign nationals visiting USA and traveling outside their home country.
- Patriot International Lite Insurance is for non-US citizens who are traveling outside America or US citizens traveling abroad to any overseas destination.
- Select the Patriot America Plus plan which offers acute onset of a pre-existing condition coverage for visitors to USA and age below 70.
- Plan is ideally suited for parents visiting USA or relatives travel to any international location.
- Eligibility: Foreign nationals as visitors to USA, or international travelers visiting outside their home country.
- Policy Maximum: Plan offers maximum coverage from US$50,000 to US$1,000,000 for the life of the plan. For travelers over 70, the maximum coverage is $50,000 and for 80 years and older it is $10,000 only.
- Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000 or US$2500 (accumulated amount) per person per certificate plan period.
- Co-Insurance:
Traveling to the United States only: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident. - Duration: Minimum period of 5 days to initial purchase period of 1 year (364 days).
- Pre-existing Conditions: Acute-onset of pre-existing conditions is not covered with this standard plan.
- Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included
- Administrator: Plan is administered by International Medical Group Inc. (IMG)
- Underwriter: Underwritten by SiriusPoint Specialty Insurance Corporation.
Patriot America Lite Insurance Plan Details
Patriot America Lite policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country. Review the plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.
| Patriot America Lite Plan Information & Highlights | |
|---|---|
| Quote & Buy Online | Buy Patriot America Lite Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Patriot America Lite Insurance Brochure |
| Renew Coverage Online | Renew Patriot Lite Insurance Online, extend coverage dates from 5 days to a total duration of 24 months (2 years) Keeps coverage active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Non-US citizen visiting USA for business or pleasure, or Foreign national or US citizen traveling outside home country. Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy, based upon primary residency outside the US.. |
| Coverage Type Selection | Patriot Lite Insurance product selection: Worldwide, Including USA: Patriot America Lite is for non-U.S. citizens who are visitors to USA or traveling outside home country. Worldwide, Excluding USA: Patriot International Lite is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America. |
| Area of Coverage | Coverage area is outside home country of primary residency. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum 12 months. Plan is renewable up to a maximum total duration of 24 continuous months. |
| Maximum Medical Benefit | Age 15 days to 69 years: Maximum coverage options include: $50,000, $100,000, $500,000, or $1,000,000 Ages 70 to 79 years: Maximum coverage limited: $50,000 Age 80 years or older: Maximum coverage limited: $10,000 Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits. |
| Deductible | Options are $0, $100, $250, $500, $1,000, or $2,500 per certificate period. Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage. After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Emergency Room Deductible | An additional deductible of $250 will be applied for each Emergency Room (ER) visit for treatment of an illness which does not result in a direct Hospital admission. Note: This does not apply for injury with/without a direct Hospital admission. |
| Coinsurance | For treatment received within USA: Inside the PPO Network, plan pays 100% of eligible medical expenses after the deductible up to the overall maximum limit selected. Outside of the PPO Network, plan pays 80% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit. For treatment received outside the U.S.: For the certificate period, there is no co-insurance and plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Note: Coinsurance is per person per 12 month period of coverage. After the first 12 months of continuous coverage, a new coinsurance maximum will apply for each 12 month period thereafter. No more than 3 coinsurance maximums per insured member must be satisfied within the maximum 36 coverage period. Search the PPO network for preferred providers and save on coinsurance costs. |
| Preferred Provider PPO Network | Search for doctors/hospitals within the Patriot Insurance Provider PPO Network. Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network. Access care at any doctor or hospital, even outside the PPO network. |
| Inpatient & Outpatient Benefits (Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges) | |
| Inpatient Hospital Room & Board Charges | Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Emergency Room, Intensive Care Unit (ICU) & Surgical Treatment Pre-admission test before hospital admission Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Diagnostic procedures, nursing services, prescription medication. Home Nursing Care and durable medical equipment costs. Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Outpatient Medical Expenses | Charges for outpatient surgical treatment, use of outpatient surgical facility Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Other Treatment & Services | Local Ambulance & Medical Transport Orthopedic treatment Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Hospital Room and Board | Average semi-private room rate up to the maximum limit, including nursing services Note: Hospital Indemnity pays for incidental hospital charges |
| Intensive Care Unit | Up to the maximum limit, Usual, Reasonable, and Customary (URC) charges apply. |
| Local Ambulance Expense | Usual, Reasonable and Customary (URC) up to plan maximum limit. |
| Eligible Medical Expenses | Up to the maximum limit Note: Usual, reasonable and customary (URC) charges, when covered illness or injury results in hospitalization as inpatient. |
| Acute Onset of Pre-existing conditions | Not covered under this plan. |
| Emergency Room (ER) Services | Up to the maximum limit for accident/injury or illness with inpatient admission. Note: For treatment inside the U.S., additional $250 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury. |
| Evacuation Benefits (Eligible expenses NOT subject to deductible or coinsurance) | |
| Accidental Death & Dismemberment (AD&D) | Principal sum for accidental death: $25,000 The insured members death must occur within 90 days of the accident. For Dismemberment (Loss of limb or sight) please see the schedule in AD&D benefit section in the policy certificate. Note: Not subject to deductible or coinsurance. Excludes loss due to common carrier accident which is separately covered. |
| Common Carrier Accidental Death | $50,000 per insured adult member $25,000 per insured child. Note: Not subject to deductible or coinsurance. A maximum of $250,000 per insured family involved in the same accident. |
| Emergency Medical Evacuation | Age below 65 years: Up to $1,000,000 maximum limit per insured member provided. Age above 65 years: This benefit is not available. Note: This benefit amount is in addition to the medical maximum. For acute onset of pre-existing condition, lower amount as specified. This benefit must be approved in advance and coordinated by the plan administrator. |
| Return of Minor Children | Up to $50,000 per certificate period. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Return or Repatriation of Mortal Remains | Up to $50,000 Maximum Limit per lifetime for return of the Insured Person’s Mortal Remains or ashes to Country of Residence, or Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Emergency Reunion | Up to $50,000 maximum limit per lifetime. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Terrorism | $50,000 maximum lifetime limit, eligible medical expenses only. Note: This benefit is not subject to deductible or coinsurance. |
| Political Evacuation And Repatriation | $10,000 lifetime maximum. Note: This benefit must be approved in advance and coordinated by the plan administrator. |
| Incidental Trip Coverage | Up to a cumulative total of 14 days during the coverage period. Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country. This benefit must be approved in advance and coordinated by the plan administrator. |
| Trip Interruption | Up to US$5,000 per insured person per coverage period. |
| End-of-Trip Home Country Coverage | Maximum 1 month for every 6 months of continuous coverage. Subject to a maximum 2 months. |
| Lost Baggage or Theft | Up to $50 per item per coverage period. Applies to damage, loss of, or theft of checked luggage or personal items, and for the replacement cost of travel documents. Maximum of $250 per certificate period. |
| Emergency Dental | $300 maximum limit for necessary treatment of sudden unexpected pain to sound natural teeth. Usual, Reasonable, & Customary for necessary emergency dental treatment due to an accident. |
| Natural Disaster | Replacement accommodations provided with a maximum $250/day for 5 days per insured person. |
| Hospital Indemnity | Daily $100 per overnight of inpatient hospitalization charges. Up to a maximum limit of 10 overnight stays covered in the coverage period. |
| Identity Theft | $500 lifetime maximum limit |
| Optional Riders – Can be optionally purchased to enhance policy benefits. | |
| Adventure Sports Rider | Age 0 to 49 years: Lifetime Maximum of $50,000. Age 50 to 59 years: Lifetime Maximum of $30,000. Age 60 to 64 years: Lifetime Maximum of $15,000. Age 65+ years: Not available. Note: Only certain activities are covered to the amounts listed. For sports engaged solely for leisure, recreation, or entertainment purposes. |
| Evacuation Plus Rider | Non life-threatening medical evacuation: Up to a maximum of $25,000. Natural disaster evacuation: Up to a maximum of $5,000. Note: This benefit is not available to insureds above age 65. Provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. Also offers coverage for evacuations as a result of a natural disaster. Minimum purchase of 3 months coverage required regardless of the minimum number of days being traveled. |
| Patriot America Insurance – Miscellaneous Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | 50% reduction of eligible medical expenses, if Pre-certification provisions are not met. See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the IMG Claims Form available in the Client Dashboard to submit proof of claims for review & reimbursement. Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator. The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense. Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered. |
| Cancellation & Refund | If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, 1. A cancellation fee of US$50.00 will be charged; and 2. Only whole or full month premiums will be considered as refundable. Note: A written (email) request is required. |
| Client Dashboard | Easy access to the IMG Client Dashboard from anywhere in the world to manage your account. |
| Worldwide Assistance | Access quality service from International Medical Group 24/7 and 365 days of the year. |
| Plan Administrator | International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA. |
| Insurance Underwriter | Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation. |
| Ratings of Insurance Underwriter | SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s. |
| Application Form | Paper application for the Patriot America Lite Insurance is NOT available to print, complete, mail/fax along with premium payment, calculate the quoted rates using the online rate table. |
| Quote & Buy Online | Patriot America Lite Insurance Quote |
| Disclaimer | The information provided on this page is only a summary, be sure to read the Patriot Lite Insurance plan brochure, Certificate of Insurance, and governing policy documents for complete details. The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan. All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges. Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period. This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA). To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator. |
Patriot America Lite Insurance - Plan Brochure
Review the plan brochure for coverage information including the summary of benefits table.
- Plan Brochure: Review the Patriot America Lite Plan Brochure for plan information.
Patriot America Lite - Certificate of Insurance
Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.
- Certificate of Insurance: Review all the policy details available in the Patriot America Lite Insurance Certificate which is the detailed sample document of the master policy.
- Claims Form: Download the Patriot America Claims form on the IMG Client Resources page.
Patriot America Insurance PPO Network
IMG Patriot America Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.
- Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.
Patriot America Insurance - Quote/Buy Online or Apply
Quote/Buy instantly online or print/complete the paper application along with the payment.
- Quote/Buy Online: Get instant quote & Buy Patriot America coverage online.
- Application Form: Complete, mail/fax the Patriot America Paper Application along with payment
Patriot America Insurance - Renew/Extend Coverage
IMG Patriot America Visitor Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the Patriot America plan coverage dates using Patriot America Plan Renew Online.
Patriot America Insurance Client Dashboard
Patriot America America plan client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.
- Client Dashboard: Access the Patriot America Plan on the IMG Client Resources dashboard for existing policyholders.
- Claim Form: Download and submit the Patriot America Plan Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.
Patriot Platinum Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is fully refunded.
- Active Policy: After the effective date of coverage, and if there are outstanding claims, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, if the policy has not been used and there are no claims outstanding, whole un-used month refunds are considered for a partial refund, and a $50 cancellation fee also applies.
Patriot America Lite Insurance Questions & Answers
Below are some of the questions frequently asked with the Patriot America Lite insurance plan gathered over many years:
Who is eligible to purchase the Patriot America Lite policy?
Foreign residents visiting the USA for short-term up one year
The Patriot America Lite plan is available for foreign residents who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of any age visiting the United States can purchase the policy. The plan is also available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
When should I purchase the Patriot America Lite policy?
After your travel dates are confirmed, buy the Patriot America Lite plan
The best time to purchase the Patriot America Lite policy is right after you book your international flight tickets. You can also buy coverage for visitors before you leave your home country on your trip to America. The policy can be purchased even the day before your departure to the United States. If you have forgotton to purchase coverage, you can still buy coverage after your arrival to the USA, by entering the start date of coverage as early as next day for the desired effective date.
What is the beneficiary and who should I name as the beneficiary?
Beneficiary can be anyone, typically other than the insured persons
The Patriot America Lite plan offers Accident Death & Dismemberment (AD&D) benefit paid out in the even of loss of life or loss of limb (arm or leg) that will be paid to beneficiary named to receive this benefit. The beneficiary can be any designated person chosen by the policy holder. It is a good idea to not name the insured persons in the policy as the beneficiary. If you are purchasing this policy for your relatives or parents visiting USA, you can name yourself as the beneficiary.
Do I have to complete an online application and pay to bind the policy?
The online application to purchase the PatriotAmericaLite plan is easy, fast and required
The easiest and fastest way to purchase the Patriot America Lite plan is to complete the secure Patriot America Lite application is online by clicking the Quote & Buy button available on the top of this page. Please follow the provided instructions to calculate the premiums for the coverage options selected and enter the residence and billing/mailing addresses to complete the online application with payment. You can bind the policy by paying the requisite premium payment (pay by check or a credit card) to finish the application form and get the system generated ID cards and proof of coverage letters to your email address.
Can I buy the Patriot America policy now and renew coverage later?
Patriot America Lite is renewable or extendable prior to expiration date
Patriot America Lite does allow coverage to be renewed or extended prior to the expiration date of the policy. You can plan your purchase coverage period between 5 days and 365 days (1 year). However, if additional coverage duration is needed after completing the existing policy term, the same policy can be purchased by completing a new online application.
What is the cancellation and refund rules for the Patriot America Lite plan?
Fully refundable prior to start or effective date, thereafter cancelation is allowed per rules
All cancellation requests must come as a written request (email) to the plan administrator.
To be eligible for a refund, the following cancellation rules apply:
- 1. Prior to the effective date, fill refund of the premium back to the card on file.
- 2. After the effective date, it depends if the policy has been used or not, with visit to the hospital/doctor, or any healthcare provider while the policy is effective. If policy has a claim, then you will not be eligible for any refund.
- 3. If policy has not be used and there is a claim on file, you can get a refund back of the un-used coverage period on a full-month basis only. If the un-used coverage period remaining is less than a month of coverage left, then no refund is eligible also.
- 4. A cancellation fee of $50 USD applies to all cancellation requests.
Do you need passport number information to purchase the Patriot America Lite policy?
Passport number for primary insured is optional
If you have the passport number of the primary insured person, then you can enter the same. However, this is an optional field and only the the primary insured person’s passport number is entered, and not required for other members of the family.
What are the common terms used in the Patriot America Lite plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.