Visitor insurance

[ejvyas]

Insubuy and others-

What is the best insurance for visitors? I am looking at the attached 4 insurance. I live north of Boston, MA. Concerns:-
1. pre-existing conditions
2. Good hospital coverage and acceptance
3. Less hassles

[insubuy]

Thank you for your interest in purchasing visitors insurance.

1. Next to each plan, you will see the link in red color that describes the acute onset of pre-existing conditions.
2. All of them have excellent PPO network.
3. All of them are more or less equivalent in that aspect.

What is the best is subjective. I recommend that you read https://www.insubuy.com/best-visitors-insurance/

May be, you should just call our office so that we can get more details from you and give you more specific answer for your specific situation.

If you have any other questions, please feel free to contact us at any time.

[ejvyas]

I called some hospitals in the area that were listed in the Atlas America and Liaison Contient network but the hospitals said "we are not in-network" but they can bill to these insurance. Their respective website says they are in-network

What does this mean?

Thank you for your interest in purchasing visitors insurance.

1. Next to each plan, you will see the link in red color that describes the acute onset of pre-existing conditions.
2. All of them have excellent PPO network.
3. All of them are more or less equivalent in that aspect.

What is the best is subjective. I recommend that you read https://www.insubuy.com/best-visitors-insurance/

May be, you should just call our office so that we can get more details from you and give you more specific answer for your specific situation.

If you have any other questions, please feel free to contact us at any time.

[insubuy]

There are a couple of possibilities:

1. You asked them whether they participate in 'Atlas America' or 'Liaison Continent'. If that is the case, that is incorrect way of asking. You should ask whether they participate in 'First Health PPO network' or 'Coventry PPO network' or 'MultiPlan PPO network', as appropriate.

2. Even if you mentioned the PPO network and if the particular hospital is listed in the network on our web site and also on the hospital web site, and if someone who you spoke still said no, most likely, that person does not know top of her head and is not willing to look up. You should ask to talk to someone else. And you should tell them their own web site says that they participate in XYZ network and in that case, why they are saying no.

[ejvyas]

okay..they recognized First Health PPO but were not sure about others. I asked them to research and get back to me.

Does it matter if they dont recognize the insurance?

If the PPO networks list the hospitals is that enough? Can I ask them to first bill insurance and then get back to me with rest of the amount?

[insubuy]

1. As long as they recognize at least one PPO network, you are fine.

2. Even if some provider is not in the network or claim not to be in network, you can always ask them to bill the insurance first and get back to you with rest of the amount.

[ejvyas]

Actually on further analysis they said all these are commercial insurance so they dont know much. They can bill these insurance and then send me the remaining amount.

Can you please let me know what PPO network is used by the following
1. Atlas America
2. Liaison Continent A

[insubuy]

1. Atlas America: https://www.insubuy.com/hccmis-ppo-network/
2. Liaison Continent A: https://www.insubuy.com/companies/ppo-network/

Those links are also given next to each plan in the image you attached in your earlier posting. Look at the line that says "Direct billing through ....."