All the travel insurance plans cover the cost of prescription Rx drugs. If you purchase the HCCMIS’ VisitorSecure Plan A, which is a limited plan, then you might have to pay a sum that exceeds the sub-limit. While the users of comprehensive coverage of Seven Corners’ Continent or International will get back all the money up to the maximum coverage amount of the policy. You can reap the monetary benefits of the travel insurance plan after you have paid the due deductibles. There is no separate deductible to be paid for the prescription drugs coverage; it is a part of cumulative deductibles. Once you pay off the deductibles you will be applicable for all the covered expenses mentioned in the policy. Though, it is advisable to take a detailed read through the norms stated in the Brochures.
As travel insurance companies are not a part of any PPO network for pharmacies, so you can buy the drugs from any store convenient for you. But before you buy from them make sure that the store is licensed by the US government. The travel insurance plans will not cover costs for prescription drugs purchase from an unlicensed company. It will act against you when filing for reimbursement. It has to be said in this regard that there is a large confusion at the point of purchase. Many users feel they will get the benefits if they show the policy papers at the point of purchase to the pharmacy when they buy the medicines. This however, is not the instance. You have to pay the pharmacy bills from your pocket and keep the prescription and other medication papers. You will need to furnish these documents when filing for reimbursement.
There is a special feature in IMG’s Patriot Travel plan. MG offers a special discount card with all their plans. This card can be shown at more than 35,000 participating stores to avail the discounts. This is only discount coverage and not the core part of the insurance program. Suppose you buy medicines worth $100, and show the card you may be given a discount of $20. IMG Patriot policy will cover up to 90% of the costs on prescription drugs purchase under $5,000. You will get the maximum coverage on an expense above this limit. So, in this instance you will get a reimbursement of 90% on $80.
Some elderly visitors to the US bring along with them a stock of their daily use medicines. But when the stay is extended, there is need for a refill. In such scenarios, the policy holders are confused about the reimbursement process. Well, when you are on a medicine it is to be held that you have a pre-existing condition. So, the costs of such medicines will not be included in the comprehensive insurance plans. You have to pay for these out of the pocket. You have to however visit a US licensed doctor and get a prescription done, to refill your stock. This visit however will not be covered by the visitor insurance plan because the reason for visit is an already pre-existing condition that is currently being treated.
When filing for reimbursement read through the Brochure over again and match your health problems to the clauses mentioned. It is wise to have a clear understanding, then to resent later. Only certain plans cover the acute onset of a pre-existing condition, otherwise your pre-existing conditions will not be covered by any insurance provider. Apart from sending the bills, do send the copies of prescriptions and the medicine documents. These would fast track the reimbursement process.
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