Overview
Visit USA-HealthCare Superior is a comprehensive coverage plan for non-U.S. citizens visiting in the United States. Using this website, you can get instant quotes, purchase online for coverage starting as soon as tomorrow. Once you complete your purchase, you will immediately receive an email confirmation of your coverage including a virtual ID card; physical ID cards are not mailed.
What is covered and not covered?
Visit USA-HealthCare Superior insurance generally covers new medical conditions - injuries or sicknesses - that happen after the effective date of coverage. The insurance company won't cover expenses that are related to pre-existing conditions, preventive/routine care, immunizations/vaccinations or maternity.
Limited coverage for an acute onset of a pre-existing condition is provided. $25,000 for insured person's aged 0 - 64, and $2,500 for insured person's 65 and older.
Visits to a U.S. Urgent care are included, for each visit there is a $50 copay - unless you choose a $0 deductible, in which case your urgent care copay is waived.
Prescription drugs are covered up to the policy maximum with a 60-day supply per prescription. More information.
Emergency dental treatment is covered up to $1,000 for accidents and up to $100 for acute onset of unexpected pain to sound, natural teeth. You can save money on other dental services with low cost dental coverage from Careington.
Visit USA-HealthCare Superior provides coverage in the USA and coverage for incidental trips to the home country, after 3 months continuous coverage you are covered to a maximum of 30 days.
How do I use the insurance?
Participating providers will likely bill the insurance company directly and charge a network negotiated fee, which is typically less than standard charges.
To learn about network providers, read details of the United Healthcare PPO Network.
How much is covered?
When you use the coverage, you will first pay your chosen deductible per policy period - choose from $0, $250, $500 or $1,000. You must completely satisfy your deductible before the insurance company pays anything. The deductible is applicable to all plan benefits, like visits to the doctor, urgent care, hospitalization, etc. Aside from the Urgent Care and Emergency Room copays, there are no other copays.
After you have paid your deductible, the insurance company will begin paying for the covered expenses up to the selected policy maximum - $250,000 is available for ages 0 - 64, $100,000 for ages 65 - 79, and $20,000 for ages 80 and above.
Example:
For the following scenario's, let's assume that you are purchasing the $250,000 policy maximum and chose a $500 deductible.
You are visiting an Urgent Care for a new sickness; the Urgent Care is in network and they charge you a $50 copay.
You would pay your $50 copay; however, this copay doesn't count towards your deductible, so you still owe $500. During your visit, the Urgent Care physician requests that you follow up in another week.
The next week when you return to the Urgent Care, you are again charged $50. The Urgent Care physician does not request any more follow up visits.
You are injured in a fall (new accident) and you visit a physician's office for treatment. This physician charges $350 total for your visit.
You haven't met your deductible yet so you must pay the full $350 charge. Of your $500 deductible, only $150 remains now. At this time, the insurance company does not pay anything because your deductible has not yet been satisfied.
The physicians request follow up in two weeks, so after two weeks you return for a follow up visit. For this visit, the doctor charges $250.
Of the $250 charge, you will pay $150 to satisfy your remaining deductible. The remaining $100 is paid by the insurance company. You have met your deductible in full and any additional covered expenses that occur during this policy period will be paid by the insurance company.
Benefits Updated: 9/23/2020