Visitor Health Insurance for Parents with and without Pre-existing Condition
Visitor Health Insurance for parents with and without pre-existing condition
Visitors health insurance for parents with and without pre existing conditions image

For parents visiting USA, MCIS highly recommends purchase of visitor insurance to safeguard them against medical emergencies. Being insured helps in ensuring peace of mind both for the parents as well as their hosts i.e. children.

Before making the purchase of visitor insurance, there are two important questions especially when parents are the one taking the trip (or any elderly traveler):

  1. Comprehensive Coverage Vs. Fixed Coverage plan: In our previous blog posts, we have mentioned the advantages of comprehensive plans/coverage policy over fixed coverage plans. Comprehensive coverage plan are recommended because they provide better coverage as compared to a fixed coverage plan.
  2. Coverage for acute onset of pre-existing conditions: A lot of the elderly travelers have some or the other pre-existing conditions. Pre-existing condition is a medical condition that is diagnosed/unknown to the person and this medical condition occurred before the start date of the visitor insurance. Therefore, it is important to be covered by a plan that offers protection against acute onset of pre-existing conditions. The purpose of this article is to discuss a sort of checklist for parents suffering from one or the other medical condition that can be considered pre-existing condition.

Checklist for parents with pre-existing conditions:

  1. Purchase visitor insurance plan that covers acute onset of pre-existing conditions. Understand the plan thoroughly (know what is included/excluded and to what extent).
  2. Before traveling to the USA, make a folder and collect in it doctor’s prescription for your condition and lab results.
  3. Carry enough medicines with you from your home country. In USA these medicines won’t be available over the counter and a doctor’s visit may be very expensive/a quick appointment won’t be available.
  4. Equipment for measuring blood sugar level for diabetic patients should be brought with you and ample care should be taken to avoid any unwanted medical condition because of diabetes. It should be remembered that prevention is better than cure.
  5. The Blood pressure monitor also comes in handy for people with blood-pressure issues.
  6. Hosts must take into account that the trip and the stay do not bring any stress to the parents.  
  7. Always carry your insurance-ID card with you.

After the acute-onset of pre-existing condition(s):

Firstly, it is the insured’s responsibility to keep his or her pre-existing condition under control. Still, sometimes unforeseen medical conditions arise. Here is a recommended checklist, containing certain things that must be remembered after the acute onset of pre-existing conditions:

  1. It is always important to understand beforehand what benefit your insurance plan offers and to what extent.
  2. Under the Comprehensive Coverage plans, choose an in-network medical facility or caregiver. If you do not know how to find them, call MCIS or insurance company.
  3. Ask for all itemized bills and receipts for the treatment as well as for the prescriptions or labs.
  4. Fill out the claim forms carefully and submit all the required documents including the bills and receipts. Keep a copy with you.
  5. If a family member or friend files claims on behalf of the insured person, an authorization letter should be attached with the claim forms. With this letter, the insurance company will send the reimbursement check payable to that family member.
  6. Remember, the insurance company determines if the medical condition that occurred is a pre-existing one or not. They rely on your past medical history, doctor’s opinion, medical records and diagnostic results for the same.
  7. If your claim has been denied, you have the right to file an appeal with supporting new medical records.

Checklist for parents without pre-existing conditions:

  1. All visitor insurance plans cover new sickness, injury and accident.
  2. To have a safe trip, it is imperative to take necessary precautions while on the trip. One should listen to his body and should not over-exert oneself beyond bodily limits.
  3. Understand your coverage before travel begins. It is always useful to know the inclusions and exclusions of your chosen policy.
  4. Prevention is always better than cure. Especially in US, this cure can bring with itself financial trauma. Therefore, do not expose yourself to extreme weather conditions (which you are not used to) or get involved in extreme activities.

To make your parent’s visit to the USA hassle-free and peaceful, keep these checklists in mind and in case of any emergency condition, remember what we mentioned above. In case you have any queries regarding plans that cover acute-onset of pre-existing conditions, feel free to contact us. We can be reached at +1-855-444-6247 and +1-510-353-1180.

Category: Visitor Insurance

November 19, 2016 at 11:11 AM

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