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Hello Friends,
My parents recently got tourist USA VISA and they will be travelling from India to USA some time in Oct First week.
Just want to know...
Which Medical Insurance should i take for them ??
Actually my mother got some skin infection last year and she is taking treatment in India since last year. She is better now, but still has some skin infection.
As She is coming to USA to meet us only (not with the intention for her treatment in USA)...and will be staying for 3-4 months with us.
But I am thinking to take her to any skin specialist doctor in USA.
Will this be covered by any insurance plan?
if yes, which one will be the best plan.
hmmm.. ok... Thanks for your suggestion Robyn55.
So in this case if no alternate available, I will be needing to pay all the amount for her visit to doctor...
I seriously doubt that you'll be able to find any insurance policy that will cover a pre-existing condition like the one you describe. Robyn
Depends on where they live but the issue won't be that there is a pre-existing condition, the issue will most likely be with their visitor status to the US.
hmmm.. ok... Thanks for your suggestion Robyn55.
So in this case if no alternate available, I will be needing to pay all the amount for her visit to doctor...
It is probably true that you will have to pay. But you should check their medical insurance at home to see if it covers any medical care here. Robyn
Depends on where they live but the issue won't be that there is a pre-existing condition, the issue will most likely be with their visitor status to the US.
The policies in question are for people who are traveling internationally. I just bought one of them from one of the major insurers in this area for a trip we're taking next month to Sweden. They all have pre-existing conditions clauses - except for sudden and unexpected events related to a pre-existing condition (the look-back period can be about 2-4 years). Like say you've had some heart problems in the past - but have a heart attack during your trip. As I read the policy I bought - that would be covered. But if - like the OP's mother - I've had a chronic skin problem for a few years - and that problem continues during my trip - any medical care I sought for that condition in Sweden wouldn't be covered under my policy.
Of course - all insurance policies are written differently. And the language of the policy you buy governs what's covered.
Also - I might as well note here that Medicare doesn't cover anything outside the US. Many non-Medicare insurance policies don't provide coverage when traveling outside the US either. Our Medigap policy - plan F - is one of the few that provides any international coverage ($25k). But the policy we bought - $1 million with a $2500 deductible for 8 days for 2 people - cost about $65. A small amount to pay for peace of mind. And - if you look at the price - you'll see that these are basically policies designed for medical emergencies - not "medical tourism".
It's always a good idea to check out the insurance situation when you travel internationally. In the past - when we used to drive a lot when we traveled outside the US - we used to buy auto insurance for our trips (our policy didn't cover us outside the US and Canada - and the rental car companies usually provided pretty miserable coverage). Robyn
hmmm.. ok... Thanks for your suggestion Robyn55.
So in this case if no alternate available, I will be needing to pay all the amount for her visit to doctor...
A visit to a dermatologist (doctor who deals with things relating to the skin) shouldn't be too expensive. Perhaps $200-300 without any tests. And if you plan to take your mother to a doctor here - remember that she should bring all her medical records with her so the doctor can review them (I assume they're written in English - if not - get them translated). Robyn
...
Also - I might as well note here that Medicare doesn't cover anything outside the US. Many non-Medicare insurance policies don't provide coverage when traveling outside the US either. Our Medigap policy - plan F - is one of the few that provides any international coverage ($25k). But the policy we bought - $1 million with a $2500 deductible for 8 days for 2 people - cost about $65. A small amount to pay for peace of mind. And - if you look at the price - you'll see that these are basically policies designed for medical emergencies - not "medical tourism". ..Robyn
Almost all other extra policies that you attach to medicare under Medicare Advantage, PPO, Fee for Service do provide emergency coverage. Medigap is a little more complicated many do provide foreign emergency care. It is best to check with your policies.
Very very limited exceptions. Wonder how often people use them? Agree that a person should always check his/her policy for the specific terms of coverage (whether or not the person is on Medicare). Robyn
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