Insurance for Visitors: Comprehensive vs Limited Plans

Plan Feature

Comprehensive Coverage Plan

Coverage 

These plans provide higher amount of benefits per incident and will provide greater financial security for your & your loved ones. We recommend individuals over the age of 50 & with pre-existing conditions to take these plans.

These plans offer a limited basic amount of benefits per incident. Although these plans are cheaper, they will not provide a high amount of coverage when you need it. We recommend these plans for individuals who are under the age of 50 & exhibit no pre-existing conditions.

Benefits

These plans work with PPO Networks. This gives your 3 distinct advantages: 1) The plan WILL be accepted by an In-Network Provider, 2) The health care provider will bill the insurance directly, reducing your out-of-pocket expense, 3) PPO Network will give discounted, pre-negotiated medical rates to patients 

Basic coverage- this means the amount of benefits to be provided for each specific medical service is pre-determined. Medical expenses are paid as per the schedule of benefits listed in the policy's brochure. 

Plan Acceptance

These plans will be accepted at any In-Network doctor or hospital. They can also be used at an out-of-network hospital, however, there will be a lower benefits rate (typically 60/40 instead of 80/20). 

These plans will work at any doctor or hospital. That being said- you may run the risk of paying out-of-pocket because the health care provider will not accept the insurance. 

Dental, Vision, and Prescription Coverage

INF Plans come with Dental, Vision, and Prescription Discount Cards

Travel Related Coverage

INF Plans will cover travel

Rates/Cost

These plans are higher cost

These plans are low cost​