Visitors Insurance

Visitors who purchase visitor medical insurance while travelling to the USA need to be aware how the plan works. The insurance policy purchased will be legitimate and would be good at ANY doctor or hospital in the US or indeed anywhere outside the insured’s home country. That said, it will be up to the doctor or hospital whether they will deal directly with the insurance company or make you submit the claim. What we suspect happened is the client wished to have direct billing and no provider would do so. A call to the insurance company may have solved this issue. The refusal to direct bill could be for several reasons, but most likely because they will likely not have heard of the particular policy the client had since they likely do not get many non-US citizens or residents in their offices. However, they may have heard of the PPO network used by the company (we often try to point this out to our clients) and we are not sure if the client used these lists or if there were such providers in their area. Even then, however, the provider may not want to do direct billing.