INF Plans vs. Acute Onset of Pre Existing ConditionsAcute Onset of Pre-Existing Conditions are visitor health insurance plans which claim to provide pre existing conditions coverage- when you meet a certain requirement. If you look at most "acute onset" plans- they never define what can actually be qualified as an acute onset of pre-existing condition. Most have generic definitions, which state:
"An sudden of unexpected outbreak or recurrence of a pre-existing conditions which occurs spontaneously and without advance warning (in terms of both symptoms and doctors advice), and is of short duration, rapidly progressing, and requires immediate medical attention" Insurance companies place more restrictions on top of that- such as medical care must be obtained within 24 hours, and there is no coverage for chronic or congenital conditions. Isn't diabetes chronic? Isn't blood pressure chronic? If these insurance plans don't cover chronic conditions- then what good will they be! Acute onset of pre-existing conditions plans will offer comprehensive 100% co-insurance, $0 deductibles, and visitors coverage up to $2,000,000. And the price for this insurance? On average, we found around $287.00 across various providers for the 60-69 age group. How is this possible? Because acute onset plans do not pay claims. These plans only provide you the peace of mind if you have no claim, but when you do have a claim- it becomes a nightmare. |
Visiting Parents with Pre-Existing Conditions suffer during their travel. |
Other Insurance for Visitors Providers & Acute Onset Plans
Some insurance providers will harass you and not pay any claims. And the worst part- you may have to sue the insurance company to get any recourse! Why does it go to such an extreme? Most Insurance for Visitors companies are underwritten by Non-Admitted Carriers- meaning they are unregulated by your states insurance company. They don't care if you are mad about claims- there's no recourse for them!
Visitor medical insurance is rife with scams meant to trick people into buying something they don't understand. Most Insurance for Visitors companies also know that since the insured is only in USA for a limited amount of time- there is no threat of litigation unless their family member takes it up. Insurance for Visitors which covers acute onset of pre-existing conditions will not pay claims!
Only INF offers an alternative to acute onset of pre-existing conditions coverage. INF offers the only full pre-existing Insurance for Visitors option for parents. This means parents with pre-existing conditions have Insurance for Visitors which will cover them for the "full scope" of medical services. INF Full Pre-Existing Insurance for Visitors cover all pre-existing conditions. Full Pre-Existing Insurance for Visitors covers the worsening of pre-existing conditions, have no look back period, and cover out-patient care for your visitors. This means you can visit any urgent care or specialist for any worsening pre-existing condition and it will be covered by INF's full pre-existing conditions plans.
Insurance is not something you can touch or feel. It's not something you can see. But it is something you can know. When we purchase an insurance policy, we are trying to cover our risks. We buy insurance to protect again unknown risks. In essence, we don't know what we don't know when it comes to the health of our visitors. Certain risks are avoidable, like slip and falls, cuts, and burns. But we never know when a pre-existing episode can take place. When it does- you want an insurance that works. You want INF.
Visitor medical insurance is rife with scams meant to trick people into buying something they don't understand. Most Insurance for Visitors companies also know that since the insured is only in USA for a limited amount of time- there is no threat of litigation unless their family member takes it up. Insurance for Visitors which covers acute onset of pre-existing conditions will not pay claims!
Only INF offers an alternative to acute onset of pre-existing conditions coverage. INF offers the only full pre-existing Insurance for Visitors option for parents. This means parents with pre-existing conditions have Insurance for Visitors which will cover them for the "full scope" of medical services. INF Full Pre-Existing Insurance for Visitors cover all pre-existing conditions. Full Pre-Existing Insurance for Visitors covers the worsening of pre-existing conditions, have no look back period, and cover out-patient care for your visitors. This means you can visit any urgent care or specialist for any worsening pre-existing condition and it will be covered by INF's full pre-existing conditions plans.
Insurance is not something you can touch or feel. It's not something you can see. But it is something you can know. When we purchase an insurance policy, we are trying to cover our risks. We buy insurance to protect again unknown risks. In essence, we don't know what we don't know when it comes to the health of our visitors. Certain risks are avoidable, like slip and falls, cuts, and burns. But we never know when a pre-existing episode can take place. When it does- you want an insurance that works. You want INF.
Why should I go with INF vs. an Acute Onset Plan?
Why should I go with INF vs. an Acute Onset Plan?
Statistically speaking- INF claims data shows that there is a 1% chance of any true acute onset of pre-existing conditions event happening to your visitor during their stay. More than that, most Insurance for Visitors policies are written such that they are able to exclude 99% of situations which could be considered pre-existing related.
Does your visitor feel lightheaded? You claim is denied as its related to their blood sugar level. Did your visitor contract a Urinary Tract Infection? Your claim is denied as other Insurance for Visitors will consider that a worsening of pre-existing conditions. Moreover- when you look at the cost of American health care and compare it to the premiums of Insurance for Visitors plans- it does not make sense what these companies are offering.
The average 65 year old pays $4300 out-of-pocket in Visitor Accident & Sickness insurance expenses, according to a study by the Center for Retirement Research at Boston Colloege. Now compare this to your typical acute onset of pre-existing conditions Insurance for Visitors premiums in that age group, which can start for as little as $28 per month. It should be clear that When you buy a cheap plan, you can expect cheap coverage. There's no free lunch in the USA. If you purchase a plan promising $1,000,000 coverage and it actually pays out anything close to that- you will be very lucky.
What's the difference between Acute Onset of Pre-Existing Conditions and Full Pre-Existing Insurance for Visitors?
Acute Onset plans do not cover pre-existing conditions. They rarely cover emergencies in any capacity. If your visiting parents have chest pain, and you go to the emergency room- this is not covered by an Acute Onset of Pre-Existing condition plan. If your visiting parents have an asthma attack or an allergic reactions- these are also not covered under acute onset of pre-existing conditions.
Full Pre-Existing plans cover all pre-existing conditions. There is no time limit on when you can seek coverage, and there is no exclusions for any pre-existing condition. Full Pre-Existing plans cover you for any type of medical care related to a worsening pre-existing condition. This means if your mom or dad have arthritis and you need to visit a rheumatologist- this is going to be covered as per the policy.