Visitor Medical Insurance for Mom 69yrs

[abcdp]

Hello,
My Mom who just completed 69 yrs in April will be visiting me in MA and my brother in CA. I was browsing through your website and found it very confusing to understand what is the best insurance coverage for her. She has mild arthritis and takes medication for BP, other than that she is pretty healthy. I would appreciate you giving me a better sense of what coverage I should get for her and also the providers that accept the particular insurance both east and west coast.
Thank you for your time,
abcd

[insubuy]

Best is very subjective. Please read https://www.insubuy.com/best-visitors-insurance/

If you still have specific questions, please feel free to post them here or contact us at any time.

[abcdp]

Thanks for your prompt response and the link provided was very helpful. I do understand that the Comprehensive plan is better coverage than the Standard Plan. I did see 2 options Atlas America and Patriot America. Atlas has 80/20 and Patriot has 90/10 but the 20% and 10% can be waived if I were to opt for In-Network Providers. Is this true and will both of these Plans be accepted nationwide. Also are both PPO plans? Also the provider search was not very helpful. Could you please provide links for both the Plans.
Thanks again and appreciate your help,
abcdp

[insubuy]

Your understanding about the coinsurance is not true.

Atlas America:
If you visit the provider within the PPO network and they bill directly, it is covered at 100% up to policy maximum. Otherwise, it is covered at 80% for first $5,000 and then 100% to policy maximum.

Patriot America:
If you visit the provider within the PPO network, it is covered at 90% to $5,000 then 100% to policy maximum. Otherwise, it is covered at 80% for first $5,000 and then 100% to policy maximum.

You can visit the providers anywhere in the U.S.

Yes, both of them are PPO plans.

PPO Links:
Atlas America: https://www.insubuy.com/hccmis-ppo-network/
Patriot America: https://www.insubuy.com/img-first-health-ppo-network/

If you still have difficulties searching the providers, please call our office and we will guide on how to navigate the links. (We access the same links).