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Doctor Visit For Visiting Parents And Using Travel Insurance G

Discussion in 'General Discussions - USA & Canada' started by armummy, Nov 2, 2016.

  1. armummy

    armummy Platinum IL'ite

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    Hi,

    Does anyone here has experience of using visitor medical insurance for visiting parents.

    We want to take my fil to a doctor to get his sugar tested. We tested at home and it is little bit high than his normal so would like to get testing done from a doctor.

    How to choose doctor and how to go about using the insurance . Never had to use it during earlier visits.

    Any experiences ?
     
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  2. Laks09

    Laks09 Staff Member Finest Post Winner

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    What sort of insurance do you have? We have used both the one from India and the one available to buy here. For India insurance, I paid the dr upfront and FIL had to claim from India. Most of the money wasn't even reimbursed. For the insurance we bought here through a local agent, we could use it at a few drs offices just like any other insurance. I just took him to one of the docs who accepted the insurance and paid the copay. We've used only GPs and gone only for blood sugar related issues so far. Not specialists and such.
     
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  3. armummy

    armummy Platinum IL'ite

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    Thank you.

    The insurance is from US. I checked the site now and looks like they have some providers in our area. We will call and see.
     
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  4. Laks09

    Laks09 Staff Member Finest Post Winner

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    That's quite straightforward. All you have to pay attention to is the provider you go to. They do file claims with the insurance. Do call the provider and check though before you go in.
     
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  5. armummy

    armummy Platinum IL'ite

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    We found one GP in our area. Very limited choice so hoping he will be good.

    Thanks again
     
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  6. savvysar

    savvysar New IL'ite

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    When it comes to visitors insurance, it definitely functions differently from your typical domestic health insurance. To find a doctor or hospital, you can go on the website listed on your insurance ID card and look up a provider in your area. When you go to the doctor, you will present your insurance ID card. In terms of payment and coverage, the billing practices are always up to the provider at hand. The doctors office will either accept the insurance and bill your insurance company directly for your covered treatment or services, or they will ask you to pay the expenses up front, and you will have to seek reimbursement from your insurance company after the fact. Either way, you will need to complete a mandatory claims process so that the insurance company can verify your information. For more information on travel medical insurance for parents traveling to the U.S., I recommend checking out his article as well:Top 5 Tips for Parents Visiting the U.S. | Indusladies.com
     
  7. aspha

    aspha Gold IL'ite

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    Check with local India association too. Here in Boston area local doctors have weekly free check-up camps. Where they do basic check-ups and blood-work and can also recommend some medicines.
     
  8. sindmani

    sindmani Platinum IL'ite

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    Generally I have a doubt in insurance claim. We have to copay a larger amount as of now (not travel insurance but our health insurance in USA ). Will the amount of copay reduce of we take insurance with higher premium every month.
     

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