How does the Patriot America Plus Plan Work?

With different insurance for U.S. visitors plans available in the industry, we will talk about a particular plan that is one of the best health plans.

Patriot America insurance for U.S. visitors is a medical insurance plan that provides health coverage and emergency aids to individuals and families traveling outside their residential country. 

Let us read further how the patriot America plus works. 

Patriot America Plus is a percentage based plan, covering any unforeseen injury, accident or sickness, post the policy becomes active.

Connecting with the Physician

The plan is a segment of the United Healthcare PPO network. Take medication from any physician or hospital you prefer. It is advisable to go to a physician within the PPO network for better percentage cover or better provider prices. 

The Deductible Process

Patriot America's deductible is one time in the policy period or done once annually. The first amount of the covered bill is the insured person's accountability before the insurance starts paying. A new deductible applies if the insurer renews it after twelve months or

if the insurer needs to have the policy continuously for more than 12 months.

Coverage within PPO Network in the USA & outside the USA

Patriot America insurance for U.S. visitors differs hugely depending on whether you visit a provider within or outside the United Healthcare PPO Network.

Within the United Healthcare PPO Network and Internationally Outside USA: Once the insured person meets the deductible, the plan pays 100% up to the policy maximum.

Coverage outside the PPO Network in the USA

Patriot America insurance for U.S. visitors, outside the PPO Network, pays 80% for the first $5,000. Then 100% up to the policy maximum after the deductible is met. Total expenses exceeding the policy maximum are the accountability of the insured.

Some Important Things to note -

• Acute onset of pre-existing health form: Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation 

• Remote transport: No coverage 

• Supplemental accident: No coverage 

• COVID-19 Coverage: Up to Policy Maximum (Contraction and Treatment must occur after the effective date)