Angela Borden | Jul 11, 2022
If you live outside the United States, you’re not a U.S. resident or citizen, and you’re planning a trip to the USA, Seven Corners offers two types of travel medical insurance for you. The biggest difference between them is how benefits for medical treatment are paid — with comprehensive coverage or with scheduled benefits — if you become sick or hurt while traveling. This is important because it affects the price you'll pay for your plan and the level of coverage you receive.
Plans with comprehensive benefits are the most common type of travel medical insurance, and you can customize your coverage by choosing your medical maximum and deductible. The medical maximums range from as low as $10,000 up to $1,000,000. For deductibles, you can choose one as low as $0 and as high as $5,000.
The price of the plan is based on the medical maximum and deductible. Higher medical maximums are more expensive as are lower deductibles.
Coinsurance applies after you pay your deductible, and it is based on the plan level you select and where you seek treatment. For example, if you seek treatment in the PPO network in the USA, coinsurance is 100%. This means the plan pays 100% of covered medical expenses, and you pay $0.
If you seek treatment in the USA outside of the PPO network, coinsurance will apply according to the stated percentage. For example, the plan may state: “We pay 80% of the first $10,000 in covered expenses, then 100% to the medical maximum.” This means if your covered expenses were $20,000, based on your portion of coinsurance, you pay $2,000 (20% of the first $10,000 in covered expenses). The plan pays $18,000.
For medical treatment in the United States, the Seven Corners Travel Medical plans utilize the UnitedHealthcare network.
Seven Corners Travel Medical Insurance is available to U.S. citizens as well as non-U.S. citizens and residents traveling outside their home country. U.S. citizens, even those living outside of the United States cannot buy this plan for travel to the United States.
Scheduled benefit plans are often less expensive than a comprehensive plan. However, while their upfront cost can be MORE affordable, they do not provide as much coverage when you make a claim.
For these plans, like those with comprehensive coverage, you also choose a medical maximum and deductible. The real difference exists in the way the plan pays. It provides stated coverage limits for each type of medical treatment covered by the plan.
For example, in the plan, you may see surgery covered up to $3,000. This is the limit we pay after you’ve met your deductible. You are responsible for paying any charges over the $3,000 limit. The plan document and the Inbound USA product page show all the limits for the different types of medical treatment.
Inbound USA is a visitor plan designed specifically for non-U.S. citizens and non-U.S. residents who are traveling outside their home (resident) country to visit the USA.
This plan does not provide coverage through a PPO network. Our Seven Corners Assist team can help you find a medical facility if you choose this plan.
Now that you know the basic information regarding coverage for both types of travel medical plans for visitors to the USA, you can review pricing and options and decide which plan you need.
If you’re looking for a less expensive plan that pays set amounts for each type of medical treatment, you may choose Inbound USA, our scheduled benefits plan. If you’re looking for more coverage, you may select a comprehensive benefits plan, like Seven Corners Travel Medical. Each plan can be tailored to fit your needs, and you can get a quote in less than 30 seconds.
If you decide to buy a plan, the purchase process takes about four to five minutes. We don’t ask any health questions, and coverage begins at 12 a.m. the day after you purchase.* You’ll receive confirmation of your purchase and your plan documents immediately by email.
As always, Seven Corners is here to help! If you need details or have questions about purchasing a plan, contact one of our licensed sales agents by chat or call 1-800-335-0611.
*United States Eastern Time
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