Patriot America

Plan Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

Benefits


 

In-Network

Out-of-Network

International

Hospital Emergency Room: International 

Not Applicable

Not Applicable

100%

 

In-Network

Out-Of-Network

International

Prescription Drugs and Medication

Obtained through Retail pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits.

Dispensing maximum for Retail Pharmacy: 90 days per prescription

Not Applicable

80%

100%

If the certificate of Insurance Maximum limit is $10,000, $50,000 or $100,000, the Prescription Drugs and Medications limit is up to the plan Maximum Limit

If the Certificate of Insurance Maximum Limit is $500,000 or $100,000, the Prescription Drugs and Medication Maximum Limit is up to $250,000 per Period of Coverage

 

In-Network

Out-of-Network

International

Emergency Local Ambulance

Subject to Deductible and Coinsurance

Injury

Illness resulting in an Inpatient Hospital admission

100%

80%

100%

PUBLIC HEALTH EMERGENCY: Subject to all other Terms of this Insurance, in the event of a public Health Emergency of International Concern, Epidemic, Pandemic, other disease outbreak or Natural Disaster, that may affect an Insured Person’s health, the company will cover an Illness or Injury incurred during the Period of Coverage and caused by the Public Health Emergency of International Concern, Epidemic, Pandemic other disease outbreak, or Natural Disaster when, prior to the Issuance of a travel warning for the Destination Country or a Global Travel Warning:

1) The Effective Date of Coverage has occurred; and

2) The Insured Person has arrived in the Destination Country or Affected Area.

In the event the applicable Travel Warning is removed for the Destination Country or Affected Area, coverage for an Illness or Injury incurred during the Period of Coverage after the Travel Warning is removed, which was caused by the Public Health Emergency of International Concern, Epidemic ,Pandemic  other disease outbreak, or Natural Disaster will be considered by the company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance.