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Visit USA-HealthCareTM

The Importance of Visitors Medical Insurance

Every year, thousands of international visitors and immigrants to the U.S. need emergency medical treatment and are unprepared for the high costs involved. Visit USA-HealthCare™ provides illness and accident expense protection, will help you find a doctor or hospital and can pay for treatment.

Coverage is available - up to twelve months

International visitors who come to the U.S. for pleasure, business or study and to new immigrants to the U.S. Coverage.

High Limit Coverage

Available with Visit USA-HealthCare's™ Optional High Limit Flight and Accident insurance for those interested in higher accidental death limits.

New! Optional Hazardous Activity Coverage is available

Medical Expense coverage for activities normally excluded from coverage such as motorcycling, scuba diving, skiing and whitewater rafting.

It's easy to enroll in Visit USA-HealthCareTM

  1. Review the Plan Details
  2. Click the Buy Now link to enroll
  3. Your receipt, Confirmation, Description of Coverage, and ID card will be sent via email

You can choose from two insurance plans, each offering a choice of deductibles. After you pay the deductible per coverage period and 20 percent of the first $5,000 of covered medical expenses per incident, the insurance covers 100 percent of most other health care costs (see brief outline of coverages for details).

Benefits included Plan A Limit Plan B Limit
Illness and Injury Medical Expense/Incident*
*The Medical Expense Benefit Limit for ages 80+ is $10,000. 		$50,000 $100,000
Emergency Medical Evacuation $50,000 $100,000
Accidental Death & Dismemberment (AD&D) $50,000 $100,000
Repatriation of Remains $10,000 $20,000
Family Travel Benefit $10,000 $10,000
Incidental Travel (to Canada, Mexico, U.S. Territories, maximum 14 days) Included Included
Emergency Travelers Assistance Service Included Included
Optional Benefits
Additional AD&D
Flight Insurance
AD&D Due to Other Accidents
$250,000
$100,000
Hazardous Activity Coverage Medical Expense coverage for activities normally excluded from coverage such as motorcycling, scuba diving, skiing and whitewater rafting.

Basic Plan Rates

To determine your Visit USA-HealthCareTM rate, choose Plan A or Plan B and a deductible ($50, $250, $500, $1,000) from the chart below.

Monthly Premiums Plan A Plan B
Deductible Per Policy Period:
Age $50 $250 $500 $1000 $50 $250 $500 $1000
0 - 5 $225 $180 $162 $144 $315 $252 $227 $202
6 - 18 $48 $38 $34 $30 $67 $53 $48 $43
19 - 29 $50 $40 $36 $32 $70 $56 $50 $45
30 - 39 $66 $53 $48 $42 $93 $74 $67 $59
40 - 49 $101 $81 $73 $65 $142 $113 $102 $91
50 - 59 $171 $137 $123 $110 $240 $192 $173 $163
60 - 64 $200 $160 $144 $128 $280 $224 $202 $179
65 - 69 $325 $260 $234 $208 $455 $364 $328 $291
70 - 79 $547 $438 $394 $350 N/A N/A N/A N/A
Age 80+* $563 $450 $405 $360 N/A N/A N/A N/A

*The Medical Expense Benefit Limit for ages 80+ is $10,000.

15 Day Premiums Plan A Plan B
Deductible Per Policy Period
Age $50 $250 $500 $1,000 $50 $250 $500 $1,000
0 - 5 $93 $74 $67 $59 $130 $104 $94 $83
6 - 18 $27 $21 $19 $17 $37 $30 $27 $24
19 - 29 $28 $22 $20 $18 $39 $31 $28 $25
30 - 39 $37 $30 $27 $24 $52 $41 $37 $33
40 - 49 $57 $45 $41 $36 $79 $64 $57 $51
50 - 59 $95 $76 $68 $61 $133 $106 $96 $85
60 - 64 $110 $88 $79 $70 $154 $123 $111 $99
65 - 69 $210 $168 $151 $135 $294 $235 $212 $188
70 - 79 $302 $241 $217 $193 N/A N/A N/A N/A
Age 80+* $310 $248 $223 $198 N/A N/A N/A N/A

*The Medical Expense Benefit Limit for ages 80+ is $10,000.

Optional Benefits Rates

  • Additional Accidental Death & Dismemberment Coverage
  • Hazardous Activity Coverage
    This will increase your Basic Plan Premium as follows:
  1. Add ONE Optional Benefit - Multiply Basic Plan Premium by 1.20
  2. Add TWO Optional Benefit - Multiply Basic Plan Premium by 1.30
More information... Apply Now
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InterMedical InsuranceTM

Why Buy InterMedicalTM

  1. Every year, people traveling in foreign countries need emergency medical care and are unprepared for the high costs involved.
  2. Your present health care insurance or HMO may not pay for medical expenses incurred outside the U.S.; Medicare and most Medicare supplements offer little or no protection outside the U.S.
  3. Most U.S. medical policies, HMOs and PPOs do not pay for medical evacuations, a cost that can easily reach $30,000 or more.
  4. InterMedical™ provides excellent international medical insurance and medical evacuation coverage, and can help you locate care. You'll have peace of mind for your next trip abroad.

Services provided by...

  1. The insurance benefits in this policy are underwritten by The Insurance Company of the State of Pennsylvania, Philadelphia, Pennsylvania, USA, NAIC # 012-19429, a member of the American International Group of Companies.
  2. The policy is designed and marketed by Travel Insurance Services, Walnut Creek, CA, a provider of travel/health insurance since 1973.

Low Cost International Medical Insurance and Medical Evacuation

Insurance for as little as $3.25 per day.

Coverage is designed for people traveling outside the US

Also outside their home country, for up to one year.

Instant Delivery of your Confirmation of Insurance by email

when you enroll online

You can choose

from two sets of coverage limits, each with a $50 deductible per injury or illness.

It's easy to enroll in InterMedical InsuranceTM

  1. Review the Plan Details
  2. Click the Buy Now link to enroll
  3. Your receipt, Confirmation, Description of Coverage, and ID card will be sent via email
Benefits Included Plan A Limit Plan B Limit
Maximum Stay 1 Year 1 Year
Illness and Injury Medical Expenses/Incident $25,000 $100,000
Deductible/Incident $50 $50
Emergency Evacuation $50,000 $75,000
Bedside Visitation $1,500 $1,500
Escort of Minors economy class airfare economy class airfare
Accidental Death and Dismemberment $10,000 $10,000
Repatriation of Remains $7,500 $7,500
Optional AD&D Upgrade Additional Limit
Accidental Death and Dismemberment $400,000
Basic Plans A and B
Basic Plans Premium Per Day Per Person
Plan A Plan B
Ages through 69 $3.25 $5.00
Ages 70+ $7.50 $10.00
AD & D ($400,000)* $3.00 all ages

Note: Minimum payment is $20.

*: If desired, this option must be purchased for all travelers listed on the enrollment form and purchased for the entire trip duration, in addition to Basic Plan A or B above.

More information... Apply Now
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Common Waiver Q & A

Common Waiver Q & A

Study USA Health Plan Details:
Company:
The Insurance Company of the State of Pennsylvania
Address:
70 Pine Street, New York, NY 10270
Phone Number:
1-800-937-1387
 
Q:
Is your insurance plan owned, headquartered, and operated in the United States?
A:
Yes
Q:
What is your plan’s maximum lifetime benefit?
A:
Unlimited
Q:
According to your insurance policy, what is your maximum annual out-of-pocket expense (including deductible)?
A:
$5000
Q:
What percentage of costs does your insurance plan pay for covered expenses?
A:
80%
Q:
What is your plan’s deductible?
A:
$50
Q:
Does your plan provide primary care services within “_____” miles of your school?*
A:
Yes
Q:
Is a covered emergency care provider available to you within “_____” miles of your school?*
A:
Yes
 
*Contracted Providers/hospitals are provided by First Health Network. You may access to following website: http://www.geoaccess.com/coventry/po/Begin.asp?memstat=M&plancode=120 to check available providers nearby your school or residence area. Mile's requirement may vary depending on school.

Study USA-HealthCareTM

The Importance of Student Medical Insurance...

Every year, thousands of international students in the U.S. and abroad need emergency medical treatment and are unprepared for the high costs involved.

    Study USA-HealthCare™ can:
  1. Provide illness and accident expense protection;
  2. Help you find a doctor or hospital; and
  3. Pay for treatment.

Study USA-HealthCare is underwritten by The Insurance Company of the State of Pennsylvania. The Insurance Company of the State of Pennsylvania, a Pennsylvania Insurance Company, has its principal place of business at 70 Pine Street, New York, NY 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC #19429

Coverage is available to:

  1. International students registered in U.S. schools
  2. U.S. registered students studying outside the U.S.

Meets or exceeds the requirements set by:

  1. The Department of State
  2. U.S. Citizenship and Immigration Services
  3. NAFSA
  4. University International Student Departments
  5. University Study Abroad programs

It's easy to enroll in Study USA-HealthCareTM

  1. Review the Plan Details
  2. Click the Buy Now link to enroll
  3. Your receipt, Confirmation, Description of Coverage, and ID card will be sent via email

You can choose...

...from two student medical insurance plans, depending on the Medical Expenses coverage limit you prefer or the limit that your school requires. The choices are: $250,000 or $300,000 per incident.

Included Benefits Plan A Limit Plan B Limit
Medical Expenses, per incident $250,000 $300,000
Emergency Medical Evacuation $500,000 $500,000
Accidental Death and Dismemberment $5,000 $5,000
Mental or Nervous Disorders & Alcohol & Substance Abuse Benefits* $5,000* $5,000*
Repatriation of Remains $100,000 $100,000
Bedside Visitation $2,500 $2,500

* The benefit is $10,000 for international students studying in the U.S.

Additional Plan Benefit Details

1. ICU sub-limit: $500 maximum per day
2. Semi-Private Room: $300 maximum per day
3. New Born Nursery Charges: $500 maximum per day
4. Outpatient Surgery Services: $250 maximum per day
5. Misc Hospital Charges: $150 maximum per day
6. Added Emergency Room copay (waived if admitted): $100 per visit


Monthly Premium Rates
Age Plan A Plan B
0 - 24 $45 $47
25 - 29 $64 $68
30 - 34 $82 $86
35 - 39 $115 $121
40 - 44 $146 $153
45 - 49 $157 $165
50 - 54 $291 $306
55 - 65 $349 $366
Spouse $523 $550
Child $105 $111

Premium Payment

You can enroll for up to twelve months at one time. You must pay premium in full for your enrollment period.

More information...

Apply Now
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WorldMedTM Insurance

Flexible, Renewable Medical Insurance for Travel or Living Abroad
WorldMed Insurance offers medical expense and emergency medical evacuation coverage to individuals traveling outside their home country.

WorldMed is the perfect solution for covering medical emergencies, evacuations, repatriations and more—coverage that your current group health policy may not provide. See WorldMed's full list of Benefits, Services and Optional Buy-Ups.

WorldMed Features

  1. Inbound Coverage - for people traveling to the U.S.
  2. Outbound Coverage - for people traveling outside the U.S.
  3. Affordable, daily rates
  4. Choose from up to eight deductibles, from zero to $5,000
  5. Three plans to choose from (Plan A, Plan B, Lite), featuring various limits and benefits
  6. Live Travel—Can assist in re-booking flights and hotel reservations in the event of flight cancellations, delays or schedule changes.
  7. Home Country Coverage—Covers you in your home country for incidental visits
  8. Can be purchased up to four years (maximum one year per enrollment)

Valuable, New Benefits

  1. Felonious Assault Coverage—$15,000 limit
  2. Stolen Passport/Visas
    Up to $500 (cost of obtaining replacement passports, travel tickets and other relevant travel documents lost as well as additional travel expenses and hotel accommodations incurred to replace lost travel documents for losses arising out of robbery, burglary, theft or natural disasters such as typhoons and earthquakes.)
  3. Emergency Dental for Relief of Pain—$100

Optional Buy-Ups Can Be Added

  1. Buy-Up Package–Adds the following:
    1. Hazardous Activities coverage
    2. Personal Security Services–Company will coordinate a transportation should you need a security evacuation to the nearest place of safety
    3. Concierge Services–can make dining reservations on behalf of the customer, assist with scheduling golf tee times and making course recommendations; 24/7 updates on sports scores, assist with obtaining theater tickets
  2. Accidental Death & Dismemberment Buy-Up
    Can purchase an additional $500,000 or $1,000 000 of AD&D coverage
  3. Accident/Sickness Buy-Up–If you are 70+ you can obtain higher limits of accident/sickness medical
    1. For ages 70-79, the Buy-Up is $100,000
    2. For age 80+, the Buy-Up is $50,000
Benefits WorldMed Plan A WorldMed Plan B WorldMed Lite
Medical Expense(Accident and Sickness) $500,000* $1,000,000* Accident Only: $100,000
Sickness Only:$5,000
Emergency Medical Evacuation $500,000 $500,000 $100,000
Accidental Death & Dismemberment $50,000 $50,000 $25,000
Repatriation of Remains $50,000 $50,000 $20,000
Emergency Reunion $10,000 $10,000 $10,000
Trip Interruption $5,000 $5,000 $5,000
Lost Baggage $500 $500 $250
Felonious Assault $15,000 $15,000 not available
Stolen Passport/Visas $500 $500 not available
Bedside Visitation $1,500 $1,500 not available
Emergency Dental Pain $100 $100 not available
Home Country Coverage $50,000 or 30 days whichever is less $50,000 or 30 days whichever is less not available
Services
Live Travel and Emergency Travelers Assistance included included not available
Buy-Ups(Optional)
Buy-Up Package Hazardous Activities, Personal Security Services, Concierge Services Hazardous Activities, Personal Security Services, Concierge Services not available
Accidental Death & Dismemberment Buy-Up Choose $500,000 or $1,000,000 Choose $500,000 or $1,000,000 not available
Accident Sickness Medical Buy-Up(applies only to ages 70+) Ages 70-79: $100,000
Ages 80+: $50,000		 Ages 70-79: $100,000
Ages 80+: $50,000		 not available

*The maximum medical benefit limit for ages 70-79 is $50,000 and for ages 80+ is $15,000.

More information...

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Global Medical Insurance

Global Medical Insurance is a revolutionary program that offers long-term flexible worldwide coverage to meet your individual or family needs, backed by the world-class services you expect.

Global Medical Insurance allows you to custom build a plan that is specifically tailored for you. It offers the flexibility to select from an assortment of four unique benefit plan options - each with specialized coverage. To accommodate your financial means, you can customize your length and area of coverage as well as select from multiple deductibles and modes of payment.

Variable Plan Options

Silver Plan Option

Affordable medical security designed for the more budget-conscious consumer and those planning to receive care in lower cost areas of the world. Silver offers a wide range of scheduled benefits equipped to meet your essential needs.

Gold Plan Option

Ideally for those who desire full major medical coverage, but for a limited period of time. Gold provides comprehensive benefits for the first three years of coverage. After three years, certain benefits are reduced.

Platinum Plan Option

Provides the superior benefits package for the most discerning global consumer. Platinum offers a package of enhanced benefits and services. It is designed for the consumer who wants the convenience of comprehensive medical, dental, and vision benefits in one plan. It also offers enhanced and additional benefits, access to a dedicated service team ready to assist you, and access to our exclusive Global Concierge and Assistance Servicessm.

Two coverage areas

  1. Worldwide
  2. Worldwide, but excluding following areas:
    United States, Canada, China, Hong Kong, Japan, Macau, Taiwan, and Singapore

Freedom to choose your provider

Global Medical Insurance allows you the freedom to choose your own health care provider no matter where you are in the world. But, if within United States area, and you are choosing providers within First Health Network (Look for a provider), your deductible will be reduced to 50%.

Managing your claim

  1. Pay direct to providers-IMG will make payment directly to some participated providers. For this method, you or your providers need to fill out a claim form and attached a statement with procedure code(s) to IMG within 90 days. This is only good for using providers in U.S. area.
  2. Reimbursement-If you already made payment or required to make payment by your providers. You may fill out a claim form and attached a statement with procedure code(s) and receipt(s) to IMG within 90 days. IMG will send a check to you directly.

Covered Period

Required apply up to TWELVE continuous months, it is annually renewable and coverage is continuous when renewed.

Plan Benefit Silver Plan Gold Plan Platinum Plan
Lifetime Maximum Limit $5,000,000
per individual		 $5,000,000
per individual		 $8,000,000
per individual
Deductible Select from
$250 to $10,000		 Select from
$250 to $10,000		 Select from
$100 to $10,000
Hospitalization/Room & Board $600 per day
(240 days maximum)		 Average
semi-private room rate		 Private room rate
Surgery URC URC URC
Transplants $250,000 per transplant $1,000,000 lifetime maximum $2,000,000 lifetime maximum
Outpatient Copay Maximum 25 visits:
$70 doctor/specialist;
$60 psychiatrist;
$50 chiropractor;
$250 X-ray per exam maximum limit;
$500 surgery intervention consultation;
$300 lab tests per exam
Maximum limit 		URC URC
Prescription Drug Coverage URC URC Outside U.S.-URC Inside U.S.-Generic $20/ $40 for brand name when generic is not available
Emergency Room illness URC
(Additional $250 deductible if not admitted) 		URC
(Additional $250 deductible if not admitted) 		URC
(Additional $250 deductible if not admitted)
Emergency Room Accident URC URC URC
Local Ambulance $1,500 per event
(deductible waived) 		URC URC
Medical Evacuation $50,000 per period of coverage
(deductible waived) 		Up to lifetime maximum limit
(deductible waived) 		Up to lifetime maximum limit
(deductible waived)
Return of Mortal Remains $25,000 lifetime maximum per insured
(deductible waived) 		$25,000 lifetime maximum per insured
(deductible waived) 		$25,000 lifetime maximum per insured
(deductible waived)
Maternity (Not subject to deductible or coinsurance-available after 10 months of coverage) Optional Rider-$50,000 lifetime maximum,
maximum of $5,000 for normal delivery,
$7,500 for C-section,
$200 child wellness benefit for the first 12 months,
new born care & congenital Disorders maximum of $250,000 for the first 31 days
(Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) 		Same as any illness-
$1,000 additional deductible,
$5,000 lifetime maximum,
$200 child wellness benefit for the first 12 months,
new born care & congenital disorders maximum of $250,000 for the first 31 days.
Physical Therapy Maximum $40 per visit- 30 visits maximum Maximum $50 per visit Maximum $50 per visit
Non-emergency Dental N/A N/A Calendar year maximum:$750;
Individual deductible-$50 schedule of benefits-
Class 1 90%;
Class II 70%
Class III 50%;
(6 month waiting period)
Vision N/A N/A Exams- up to $100
Materials- up to $150 per 24 months.

*URC (Usual, Reasonable, and Customary)

More information Other Exclusions and Limitations

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