Hi,
I am planning to invite my mother to the USA for 3 months to visit me. I had some basic doubts even after I had read a number of the postings here:
Let's assume that I purchase the Patriot America plan for IMG for a total coverage of $50000 with the 90/10 coinsurance option with a deductible of $500 for the complete 3 months of my mother's visit. In that case:
1. If my mother has the first incidence of high fever, and a doctor's visit is necessary and the charge for that visit are $100, then how much of that amount will I need to pay (considering the $500 deductible)?
2. What if I have to do a repeat checkup visit after another 10 days (so that is another $100 doctor's charge)?
3. Assume that the diagnosis is flu
and she has to be hospitalized for 5 days with a cost of $5000, then how will the payment be done?
4. How does the IMG Company keep track of the expenses against the deductible i.e. how will they know that I've paid by $500 and they now need to start paying further expenses?
Thank you,
chetanw
Pennsylvania
I am planning to invite my mother to the USA for 3 months to visit me. I had some basic doubts even after I had read a number of the postings here:
Let's assume that I purchase the Patriot America plan for IMG for a total coverage of $50000 with the 90/10 coinsurance option with a deductible of $500 for the complete 3 months of my mother's visit. In that case:
1. If my mother has the first incidence of high fever, and a doctor's visit is necessary and the charge for that visit are $100, then how much of that amount will I need to pay (considering the $500 deductible)?

2. What if I have to do a repeat checkup visit after another 10 days (so that is another $100 doctor's charge)?

3. Assume that the diagnosis is flu

4. How does the IMG Company keep track of the expenses against the deductible i.e. how will they know that I've paid by $500 and they now need to start paying further expenses?

Thank you,
chetanw
Pennsylvania
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