Frequently Asked Questions:

Due to the high demand for Pre-Existing Condition coverage, the underwriters have extended the coverage provided under many of the plans to allow for coverage under very specific circumstances. They call this coverage either 'Acute Onset of Pre-Existing Conditions' or 'Sudden and Unexpected Recurrence of Pre-Existing Conditions'. There are plans that provide some kind of further limited coverage of pre-existing condition coverage. Please carefully understand what a chosen plan incudes.

*While the acute onset may cover a sudden and unexpected recurrence, the reverse is not true.

Comprehensive Coverage Plans

Beacon America

Underwriter: Lloyd's

Coverage Availability 5 Days to 364 Days

Overview

After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

Direct Billing

Acute Onset of Pre-Existing Conditions

Coverage for under age 70. $150,000 for policy maximums of $550,000 and over; $50,000 for policy maximums between $60,000 and $200,000 Learn More
  • $35 copay
  • To policy maximum
  • $50,000
  • Included, up to $100,000 or policy maximum; whichever is lower.

Plan Details

Diplomat America

Underwriter: Crum & Forster SPC

Coverage Availability 15 Days to 365 Days

Overview

After deductible, pays 80% to $5,000, then 100% to policy maximum.

Direct Billing

Depends on provider. No PPO network.

Acute Onset of Pre-Existing Conditions

Non-US Citizens: to $10,000 for ages <70 Learn More
  • $250,000
  • $50,000
  • Included

Plan Details

Diplomat Long Term

Underwriter: Crum & Forster SPC

Coverage Availability 3 Months to 3 Years

Overview

After deductible, pays 80% to $5,000, then 100% to policy maximum.

Direct Billing

Depends on provider. No PPO network.

Acute Onset of Pre-Existing Conditions

Non-US Citizens: to $10,000 for ages <70 Learn More
  • $250,000
  • $50,000
  • Included

Visit USA-HealthCare® Superior

Underwriter: TMHCC (CI) Insurance SPC Ltd

Coverage Availability 5 Days to 364 Days

Overview

After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

Direct Billing

Acute Onset of Pre-Existing Conditions

Coverage to $25,000 for ages <65; $2,500 for ages 65+ Learn More
  • $50 copay
  • $500,000
  • To policy maximum
  • Included

WorldMed

Underwriter: TMHCC (CI) Insurance SPC Ltd

Coverage Availability 5 Days to 364 Days

Overview

After deductible pays 100% to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

Direct Billing

Acute Onset of Pre-Existing Conditions

Coverage to $200,000 for ages <60; $20,000 for ages 60-64 Learn More
  • $25 copay
  • $1,000,000
  • $50,000
  • Included

Visit USA-HealthCare®

Underwriter: TMHCC (CI) Insurance SPC Ltd

Coverage Availability 5 Days to 364 Days

Overview

After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

Direct Billing

Acute Onset of Pre-Existing Conditions

Coverage to $20,000 for ages <65; $2,500 for ages 65+ Learn More
  • $50 copay
  • $250,000
  • $50,000
  • Included

Fixed Coverage Plans


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