The International Major Medical Plan
needed coverage for only a few dollars a day,
whether your trip will be a few
days or a few years.
For your personal
security, make sure you have complete and
adequate health care
coverage while traveling or residing outside
your home area or home
country. United States passports state
explicitly that you should
check your coverage before traveling or
residing outside the
country, as many plans including Medicare,
do not provide coverage outside the U.S.. Many healthcare plans
infer that coverage is worldwide, but they contain serious
exceptions that nearly render the coverage useless.
International Major Medical Plan was created
these problems by providing affordable comprehensive
on a stand-alone basis or in supplement to any social or
coverage — ANYWHERE IN THE WORLD.
Common in many plans is a limitation which provides out-of-the area
coverage for life-threatening conditions only.
The International Major Medical Plan covers most
is medically necessary.
plans stipulate that out-of-the-country coverage is limited to an
initial hospital visit only, not to exceed 48 hours.
The International Major Medical Plan does not limit the
of days in a hospital nor the number of visits made to
plans limit the number of days the plan will be effective when you
leave your home country
— periods from
15 to 180 days.
The International Major Medical Plan has no time limit on
in force, and it covers you for the entire period of insurance
outside your home country.
carriers have negotiated contracts or scheduled benefits far
what might be billed by care providers in other countries.
disappointment are experienced when it is realized that
reimbursement of costs incurred is limited to 70% of the carrier's
approved rates. It is not uncommon to find approved rates at 42¢
the dollar. 70% of that 42¢ is 29¢ on the dollar. Benefits may be
further eroded by the currency exchange rate.
The International Major Medical Plan pays benefits based
the usual and customary charges for the area in which
and care is provided.
and ICD codes are a product of the United States which enables
providers and carriers to have a common billing code. Unless a
has the advantage of a claims administrator or works for a
billing service, coverage outside the United States will be
The International Major Medical Plan claims are handled
experienced and respected International Claims Administrator.
specialized health plans of one country may on occasion
with the plans of another country. Such arrangements are
to administer in the United States.
The International Major Medical Plan eliminates
reciprocity with social programs. It covers incurred
Medicare does not pay for care or treatment incurred outside the
United States, except in a few special circumstances. Medicare
supplement plans pay ONLY AFTER MEDICARE PAYS, and are
therefore for expenses incurred outside the United States.
The International Major Medical Plan pays benefits
the world on a standalone basis and is especially
persons enrolled in Medicare as benefits are not
upon Medicare paying first.
take our word for it...... Click on the
to go to the
U.S. Department of State on this very issue!
This is not
intended to be a complete outline of coverage. Some restrictions may