Comprehensive Vs Limited Benefits Coverage – Which is Better?

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Visitor Health Insurance: Comprehensive Vs Limited Benefits Coverage

Planning a visit to the United States? You will want to start shopping for visitor insurance in USA. Visitor insurance will ensure that you will be covered should you experience a sudden illness or injury during your trip overseas. Healthcare in the United States is very expensive. Unfortunately, you can’t always rely on your foreign insurance, as some healthcare providers and hospitals may not accept it. And even if they do, you may find yourself waiting to receive care while local healthcare representatives try to contact overseas insurance providers in your home country.

Most health insurance for foreigners in USA plans falls under two major types: fixed and comprehensive. Fixed coverage plans are cost-efficient and provide basic coverage. Comprehensive plans offer more extensive coverage. But the differences go beyond pricing and scope of care. Read on to learn about fixed coverage vs. comprehensive coverage insurance plans—and how they differ.

What Is Comprehensive Medical Insurance?

Comprehensive medical insurance covers everything you’ll need, including outpatient care, specialist appointments and procedures. Comprehensive plans are generally recommended because they provide extensive coverage. Looking at what comprehensive medical insurance is, you’ll realize it is a great choice for individuals for any age. For anyone looking for great coverage and some good old peace of mind, Comprehensive medical insurance is a good option. Furthermore, if you plan to travel around much during your stay in the U.S., it’s advisable to get more extensive coverage in case of a travel-related injury.

With comprehensive coverage plans, you will typically pay a set deductible and the insurance provider will cover a percentage e.g. 80% of your first $5,000 of medical expenses. From there, you should be covered for up to the chosen policy maximum. The exact amount varies from plan to plan.

Your premiums depend on several factors, including age, the number of days coverage is needed, policy maximum, and deductible. To guarantee a fair quote, be sure to be as thorough as possible when providing this information.

What Is a Limited Benefit Health Plan?

A limited benefit or fixed benefit health plan only covers specific amounts, which means it might not cover you for the entire billed amount. Given the lower cost, fixed benefit plans often sound attractive. But will it provide enough coverage in the event of an emergency? The coverage you choose may depend more on your own personal health. Also known as fixed coverage plans, limited benefit plans offer a low-cost option for those looking for a little peace of mind without having to pay high premiums. For low-risk travel, fixed benefit health insurance may suffice, especially for those who have little to no history of injuries or illness.

When looking at what a fixed benefit health plan is, you’ll want to know that insurance companies pay fixed costs for every appointment and procedure. For example, a doctor’s visit may be covered at $55 and an emergency room visit may be covered at $350 irrespective of what the actual cost is. If you need to use the insurance, you have to pay the difference between the fixed amount and the actual cost. Limited benefit visitor insurance plans are low-cost and limited in the amount of coverage they provide. If you are young and healthy, such plans may make sense for short trips. Visitor insurance plans do not cover pre-existing conditions; however, if you are below a certain age, many plans will cover the sudden outbreak or recurrence of a previously diagnosed condition. This is referred to as acute onset. The coverage will vary between plans.

Comprehensive Vs Limited Benefits: Which is Better?

While comprehensive may be the best option for most people, it really depends on your health and budget, as well as the level of risk you’re willing to take to save money—and potentially sacrifice peace of mind.

When searching for the best medical insurance for green cardholders in the U.S., it’s important to work with a trusted partner. Visitor Guard® offers excellent customer service and policy pricing. We offer a range of plans to fit your specific needs and budget. Before choosing a plan, speak to one of our agents by calling 804-325-1385. Or reach out using our online contact form

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