International Major Medical Plans
(For US Nationals overseas)
|
|
|
Individual Major Medical Insurance
Choose from Preferred Physician Organization (PPO)
Plans or Health Maintenance Organization (HMO) Plans. If you are not sure how these plans differ from each
other, click on the link below for the descriptions.
Types
of Health Insurances
(Click for description)
PPO
Plan Highlights
The following table summarizes the features of a PPO
plan. This is not an exact plan. This is just an example.
Click on one of the buttons on the left for the specific insurance plan.
| Lifetime Maximum |
The maximum the insurance will pay
throughout the life of the policy: Usually $1,000,000 to $5,000,000 |
| Office Visit Copay |
What you pay: Ranges from $10
up to $60, and you choose. |
| Deductible Options |
The portion of your bill you pay:
In network: Ranges from $250 to $10,000 . Out of network: $500 to $20,000.
You choose. |
| Coinsurance Options |
The portion of your bill your policy
pays after the deductible is subtracted from the bill: 100%, 80%, 70% or 50%.
You choose. |
| Coinsurance Limits |
The amount of your bill the coinsurance
applies to: Ex., $2,000, $4,000, $8,000, $10,000, $16,000 etc |
| Individual Out-Of-Pocket Maximum |
$0, $2,000, $4,000 or $8,000 |
| Physicians Office Visit |
Network: You pay copay then 100%
of balance covered.
Out-of-Network:
You pay deductible, coinsurance
then 100% covered |
| X-ray, Lab. done outside of a
Physician's office |
Network: You pay deductible,
coinsurance then next 100% covered.
Out-of-Network: Not covered |
| Routine Vision Exam |
Network: You pay special copay
then 100% covered. (Ins. Co. specific)
Out-of-Network: Payable to set maximum.
(Ins. Co. specific) |
| Emergency Room |
Treated differently by each
Insurance company |
| All others |
You pay deductible, coinsurance then
100% of the balanced covered. |
| Prescription Drugs |
Deductible: $0, $250, $500 or $1,000
Generic: $5 - $30 copay 30-dy supply Brand-name: $15
-$75copay or percent discount for 30-day
supply |
Disclaimer:
Benefits vary by state and insurance company.
HMO Plan Highlights
The following
table summarizes the features of an HMO plan. This is not an exact
plan. This is just an example. Click on one of the buttons
on the left for the specific insurance plan.
| Primary Care Physician: Office
visits/Radiology, Lab, EKG's, Adult Wellness Visits/Exams
|
You pay $10, $20, or $30 per visit.
You choose |
| Specialty Physicians:
Office Consultation, Visits or Services |
You pay $25, $40, or $50 per visit.
You choose |
| Urgent Care Center Visit Plan
designated centers) |
You pay $50 to $250 per visit.
You choose |
| Professional Facility - Related
services |
No charge |
| Injections:
Therapeutic
Allergy/Immunotherapy or Immunization |
You pay:
No charge
$10, $20 or $30 Primary Care Phys
$25, $40 or $50 Specialists |
| Other Hospital Physician Services |
No charge |
| MATERNITY SERVICES (OPTIONAL RIDER)
Obstetrics; Pre-Natal Obstetrical; Hospital or
Birthing Center |
You pay: $25, $40 or $50 co-pay
You pay:
$1,000 co-pay |
| HOSPITAL SERVICES (PLAN HOSPITALS)
Inpatient Room & Board Ancillary services
Diagnostic Services Outpatient
Surgery |
You pay:
$100, $200 or $500 per day
$500, $1,000 or $2,500 max per adm
$50 per visit
$100 to $500 co-pay. You choose |
| Emergency Room and Related Services
(Waived if admitted) |
You pay: $100 to $500 co-pay.
You choose |
| PRESCRIPTION DRUGS Generic
Prescription
Brand Name Prescription |
You pay:
$10, $20 or $30 co-pay
$25, $35 or $45 co-pay |
Disclaimer:
Benefits vary by state and insurance company.
©2004 WorkingAmericanBenefits.com
All Rights Reserved.
|
|
TO PURCHASE A PLAN
OF INSURANCE NOW, OR TO GET A QUOTE click the
appropriate button on the left side of the page
TO PURCHASE A PLAN
OF INSURANCE NOW, OR TO GET A QUOTE click the
appropriate button on the left side of the page
 |
