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How Much Does a Doctor Visit Cost With and Without Insurance?

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Without insurance, medical care can get pricy fast. Where you live, what doctor you’re going to, and what tests you need will all figure into your doctor’s visit bill. In this article, we’ll break down those costs and give you some tips for saving money.

What Goes into the Cost of a Doctor’s Visit?

Geography is one of the biggest factors in the price of a doctor’s visit. Most medical facilities pass some of their overhead expenses onto their patients. If you live somewhere with a higher cost of living, like California or New York City, you’ll likely pay more for doctors’ visits. The practice has to pay more for utilities and rent, and those costs show up in your bill. For example, Mayo Clinic’s Patient Estimates tool quotes $846 for a 60-minute office visit in Jacksonville, Florida, but $605 for the same visit in Wisconsin.

Like the cost of living, supplies and equipment will also end up on your tab. Say you need a strep test, blood draw, or Pap smear. The supplies needed for the test plus the cost of the lab fees will all figure into the price.

Bills for the same exams and procedures can also vary depending on what kind of facility you’re going to. Smaller practices and public health centers are often a lot cheaper than university or private hospital systems. This is due in part to their buildings being smaller and their overhead fees being lower.

Price of Out-of-Pocket Doctors’ Visits

The cost of a doctor’s office visit also depends on what kind of doctor and the procedure you need to have done. For example, an in-office general wellness checkup will be cheaper than a specialist procedure. If you have an emergency, an urgent care center will be much more affordable than the emergency room.

Primary Care Physician — Physical Exam

Physicals usually include blood pressure readings, cholesterol measurements, and vaccines. Prostate exams for men and Pap smears and breast exams for women are also often included. Pediatric physicals focus on the growth milestones for your child’s age. Doctors check height, weight, sleep patterns, diet, and the vaccines required by public schools.

The range for a yearly physical can be anywhere from $100 to $250 or more without insurance. A CVS Minutecare Clinic may charge just $59 for a sports physical, but not all organizations will accept this as proof of physical health.

Primary Care Physician — Procedures

On top of the base cost for physical exams, you may have extra charges for any specific tests or procedures you need. According to the Cardiometabolic Health blog, the most common procedures in primary care medicine include bloodwork, electrocardiograms, and vaccines/injections.

Bloodwork is one of the biggest cost wild cards. Certain tests can run you from as little as $10 to as much as $10,000 . Large national labs like Labcorp offer pricing on their website, so you know what to expect going in. For example, Labcorp’s General Health Blood Test , which includes a metabolic panel, complete blood count (CBC), and urinalysis, costs $78.

Electrocardiograms or EKGs check your heart health and can find cardi ac issues. This quick procedure involves monitoring your heartbeat through electrodes placed on your skin. While it’s a painless and accurate way to detect heart conditions, the costs can add up without insurance. Expect to pay as little as $410 or as much as $1700 for this procedure, depending on local prices.

Vaccines are often required before sending your kids to school. The CDC publishes a vaccination price list annually to give you an idea of what to expect. For example, they quote $19-$132 for DTaP, $21 for Hepatitis A, and $13-$65 for Hepatitis B. The COVID-19 vaccine, however, is free of cost, regardless of insurance status.

Urgent Care Visit

If you have an emergency but are stable, urgent care is much cheaper than the emergency room. According to Scripps , most urgent care centers and walk-in clinics can at least treat dehydration, cuts or simple fractures, fever, flu, strep, and UTIs. Note that if you have chest pain, a serious injury, seizures, a stroke, or pregnancy complications, you should go straight to the ER .

For a base exam at an urgent care facility, expect to pay between $100-$150 . That price will go up depending on what else you need. For example, Advanced Urgent Care in Denver quotes $80 for an X-Ray, $50 for an EKG, $135 for stitches, and $5 for a urinalysis. In comparison, expect to pay $1,000-$1,300 for the same procedures in the emergency room.

How to Lower Your Out-of-Pocket Medical Costs

Doctor calculating how much a visit costs

Healthcare expenses may seem overwhelming without insurance. Luckily, there are many resources available to help you cover the costs.

Free & Low-Cost Immunization and Wellness Clinics

For standard vaccines and checkups, look for local free or low-cost clinics. Check out The National Association of Free and Charitable Clinics’ search tool to find a location near you. Your city’s public health department should also offer free or low-cost vaccines and basic medical care services.

Certain large vaccine manufacturers also offer vaccine programs. For example, Merck’s patient assistance program offers 37 vaccines and medicines free to eligible patients. The program includes albuterol inhalers and vaccines for Hepatitis A, Hepatitis B, MMR, and HPV.

Cash Negotiations

Most health systems offer lower rates for patients paying cash. Some even have free programs for low-income families. For example, Heritage UPC in North Carolina has a yearly membership for low-cost preventative care. In Northern California, the Sutter Health medical system offers full coverage for patients earning 400% or less of the Federal Poverty Income Guideline .

As of January 1, 2021, all hospitals in the United States now have to follow the Hospital Price Transparency Rule . That means they have to list procedure prices clearly on their website. You can also call medical billing before your appointment to discuss cash pay options.

Federal Medical Payment Support

If all else fails, there are federal programs to help you cover the cost of medical bills.

Organizations like The United Way and United for Alice offer grants for ALICE (asset-limited, income-constrained, employed) patients. These are people living above the poverty level, making them ineligible for other government programs but below the basic cost-of-living threshold.

Medicaid is available for children, pregnant women, and adults under a certain income threshold. If your income is too high to qualify for Medicaid but you can’t afford private insurance for your children, you may be eligible for the Children’s Health Insurance Program (CHIP) to cover your children’s medical care.

Use Compare.com for the Best Doctors’ Visit Prices

Navigating bills for a doctor’s visit can feel overwhelming, but Compare.com is here to help. With our price comparison tool, you can search all clinic and doctors’ office prices in your area. Compare makes sure you’re prepared for the cost of your checkup long before you schedule your appointment.

Nick Versaw photo

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.

As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

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UnitedHealthcare Individual & Family ACA Marketplace plans

Let's help you find your personalized Individual & Family ACA Marketplace plan. Enter your ZIP code to view and enroll in 2024 plans.

Questions? Talk with a licensed insurance agent at: 1-800-557-6718 , TTY 711

See ACA Marketplace plans

Find your personalized aca marketplace plan, aca marketplace plans with benefits that fit your needs.

unlimited primary care

Virtual urgent care 1

or less prescription drugs 2

in rewards for health 3

The affordable Marketplace plan options you've been looking for

We offer a variety of Individual & Family ACA Marketplace plans that are classified into 5 plan categories. Within these categories, “metal” levels tell you how costs are divided between you and UnitedHealthcare.

Essential High-deductible plans with basic coverage for serious illness or injury. Pay a low $0 4 monthly premium, but more when you get care.

What to know.

This is our lowest-cost plan. Your monthly premium could be as low as $0, but you'll pay more when you get care, compared to our other plans. Essential plans are available at the Bronze metal level only.

It's a good fit if

You rarely see your doctor. You want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury.

The UnitedHealthcare Essential Plan

doctor visit insurance plans

Video transcript

[UnitedHealthcare logo]

ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans

UnitedHealthcare Essential Plan

ON-SCREEN TEXT: Essential Plan

Your budget + Coverage that fits your needs

fits your budget and your health needs. It’s a great choice if you rarely see a doctor or want protection from serious illness or injury.

ON-SCREEN TEXT: Premiums as low as $0 1

Your monthly premium could be as low as zero dollars but you’ll pay more for care compared to our other plans.

ON-SCREEN TEXT: $0 virtual urgent care 2

You’ll get benefits like zero dollar virtual urgent care,

ON-SCREEN TEXT: $5 or less prescription drugs 2

low cost prescription drugs

ON-SCREEN TEXT: $100 in rewards 2

and up to $100 in rewards.

ON-SCREEN TEXT: Prescription delivery at no additional cost 3

Plus, extras like no cost delivery for prescriptions,

ON-SCREEN TEXT: 20% off Walgreens branded products 3

discounts on Walgreens health and wellness products,

ON-SCREEN TEXT: On-demand fitness classes 3

and on-demand fitness classes.

ON-SCREEN TEXT: In-network providers

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers

ON-SCREEN TEXT: In-network pharmacies

and over 40,000 in-network pharmacies.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today

Essential Plan

Get no-cost 1-on-1 help to enroll in a plan today.

DISCLAIMERS:

1 To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.

2 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.

3 UnitedHealthcare Internal Analysis, June 2023

UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

Virtual Plans 5 Convenient, low-premium plans with unlimited 24/7 access to $0 5 virtual primary, urgent and specialty care. No copays. No coinsurance. Just quality virtual care through Galileo from your smartphone or tablet.

Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $0 virtual care through the Galileo mobile app. Your 24/7 access to virtual care lets you interact with your doctor on your own schedule, when it’s most convenient for you. The Galileo mobile app will be your first stop for all your care needs, from everyday to urgent - including virtual primary and virtual specialty care. Virtual First and Virtual Access plans are available at the Bronze, Silver and Gold metal levels.

You like the convenience to text or have a video visit with a doctor instead of heading to the clinic.

Looking for a Spanish-speaking option?

This may be the plan for you. It offers the option to get your Galileo communications in Spanish and connect with a Spanish-speaking Galileo doctor right away. 

The UnitedHealthcare Virtual First plan

doctor visit insurance plans

Virtual First Plan

Your digital lifestyle + Benefits at your fingertips

The UnitedHealthcare Virtual First plan fits your digital lifestyle with care at your fingertips. 

It’s a great choice if you prefer to talk, text or have a video visit with a doctor instead of going to the clinic.

ON-SCREEN TEXT:

Virtual First health care plans include zero-dollar unlimited virtual care.

ON-SCREEN TEXT: 24/7 access to care with Galileo app

Primary care

Specialty care

Urgent care

Using the Galileo app, you’ll have 24/7 access to primary, specialty and urgent care. Including care from Spanish-speaking doctors.

ON-SCREEN TEXT: $5 or less prescription drugs 1

You’ll also get benefits like prescription drugs for five dollars or less

ON-SCREEN TEXT: Network pharmacies

from thousands of in-network pharmacies

ON-SCREEN TEXT: Prescriptions delivered at no additional cost

and no-cost prescription delivery.

ON-SCREEN TEXT: Earn $100 in rewards 1

20% off Walgreens brand products 1

Digital fitness classes on-demand

Plus, extras like rewards, discounts at Walgreens and on-demand digital fitness classes.

Get no-cost one-on-one help today.

1 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.

Value Plans with additional benefits, like $0 doctor visits from the first day of coverage as well as a Health Savings Account (HSA) option.

This plan isn’t as low-cost as Essential, but it’s close. It offers low-copay primary care visits with your doctor, and an HSA option. Like our other plans, this plan also has the option for virtual care. Value plans are available at the Bronze, Silver and Gold metal levels.

You regularly see your doctor and want something with a few more benefits than the basic Essential plan, without paying a lot for it.

The UnitedHealthcare Value Plan

doctor visit insurance plans

Your budget + Coverage that fits

The UnitedHealthcare Value Plan offers a balance of coverage that fits your budget and needs.

It’s a great choice if you see your doctor regularly but don’t want to break your budget.

ON-SCREEN TEXT: Low-cost primary care

Value plans offer primary care at low or no cost.

ON-SCREEN TEXT: $0 unlimited virtual urgent care 1

$5 or less prescription drugs 1

You’ll also get benefits like zero-dollar virtual urgent care and prescription drugs at five dollars or less.

ON-SCREEN TEXT: Health Savings Account

Some Value plans also offer a Health Savings Account option.

With extras like a hundred dollars in rewards, Walgreens discounts, and on-demand digital fitness classes, the Value Plan keeps you covered at a price that fits your budget.

ON-SCREEN TEXT: Network providers

Network pharmacies

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers and over 40,000 in-network pharmacies.

Advantage Low or $0 deductible plans with extras, like adult vision and dental benefits. 6 Pay slightly higher monthly premium and lower costs when you get care.

This is our richest plan with the most coverage. It could be a good fit if you’re used to having lots of coverage and perks (like embedded adult vision and dental benefits). Advantage plans are available at the Silver and Gold metal levels.

You see your doctor often. You’re typically willing to pay a little more each month in order to pay less (usually copays) when you get care.

The UnitedHealthcare Advantage Plan

doctor visit insurance plans

Advantage Plan

Your health needs + Coverage and benefits that fit

The UnitedHealthcare Advantage Plan gives you lots of benefits that fit your health needs. 

This plan is a great choice if you see your doctor often and want a plan with lots of extras.

ON-SCREEN TEXT: $0 primary care 1

You’ll get lots of benefits like zero-dollar primary care,

ON-SCREEN TEXT: $0 virtual urgent care 1

and zero-dollar virtual urgent care,

prescription drugs at five dollars or less,

and up to one hundred dollars in rewards.

ON-SCREEN TEXT: $0 dental preventive visits 1

You’ll also get zero-dollar dental preventive visits

ON-SCREEN TEXT: $0 routine vision exams 1

and zero dollar routine vision exams.

ON-SCREEN TEXT: Prescription delivery at no additional cost

$0 gym membership 1

With extras like no cost delivery for prescriptions, Walgreens discounts, zero dollar memberships at in-network gyms, and on-demand digital fitness classes, the Advantage Plan helps you feel confident your needs are covered.

Copay Focus 7 $0 medical deductible plans with flat copays for most services. Know what you pay before you see your doctor.

With a $0 deductible, you won't have to worry about paying out-of-pocket costs before your plan kicks in. You'll pay defined copays, like $15 or $30, for most services starting the first day of your plan. Copay Focus plans are available at the Bronze, Silver and Gold metal levels.

You like greater cost transparency. You’re typically willing to pay a little more each month in order to pay lower, defined copays when you get care.

The UnitedHealthcare Copay Focus Plan

doctor visit insurance plans

ON-SCREEN TEXT: Copay Focus Plan

The UnitedHealthcare Copay Focus Plan gives you predictable costs while fitting your health needs.

It’s a great choice if you want to know how much your care costs before you see a doctor.

ON-SCREEN TEXT: $0 medical deductible 1

With $0 medical deductible, you won’t have to worry about paying out of pocket to reach a deductible before your plan kicks in.

$100 in rewards 1

You’ll get benefits like low-cost virtual care, low-cost prescription drugs and up to a hundred dollars in rewards.

ON-SCREEN TEXT: No-cost prescription delivery 1

Digital fitness classes on-demand 1

With extras like no-cost delivery for prescriptions, discounts on Walgreens health and wellness products, and on-demand digital fitness classes, the Copay Focus plan keeps you covered at a price you can count on.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today Copay Focus Plan

Get no-cost one-on-one help to enroll in a plan today.

Simple, easy plan enrollment

Begin the enrollment process in 3 simple steps.

Tell us about you and your family.

See the best plan(s) recommended for you.

Choose a plan and we'll help you enroll.

Learn more about Marketplace health insurance plans and how they work

Read about the healthcare Marketplace to get the most from your Individual & Family ACA Marketplace plan.

doctor visit insurance plans

ON-SCREEN TEXT: Individual & Family ACA Marketplace health care plans

Your unique needs + Coverage that fits your budget

UnitedHealthcare Individual & Family ACA Marketplace plans offer coverage that fits your unique needs and your budget. 

ON-SCREEN TEXT: $0 monthly premiums 1

More than half of our members pay zero dollars in monthly premiums.

ON-SCREEN TEXT: $0 Preventive care 2

Our plans offer benefits like zero-dollar preventive care,

ON-SCREEN TEXT: $0 Virtual urgent care 2

zero-dollar virtual urgent care,

low-cost prescription drugs

20% off Walgreens brand products 2

With extras like no-cost delivery for prescriptions, Walgreens discounts and on-demand digital fitness classes, Individual and Family ACA Marketplace plans have your health needs covered at a price you can afford.

ON-SCREEN TEXT: Enroll by December 15, 2023 for coverage starting January 1, 2024

Open enrollment starts November 1st and lasts until January 15th in most states. For coverage starting January 1st you must enroll by December 15th.

ON-SCREEN TEXT: Answer questions

See plan options

Select your plan

Enrollment is simple. First, we will ask you a few questions, next we will show you your plan options and an estimated cost, and then you choose the plan that fits you best.

1 UnitedHealthcare Internal Analysis Sept 2023. To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.

Find Individual & Family ACA Marketplace plans in your state

If you buy your own health insurance for you or your family, the health care Marketplace is for you. The Marketplace (also called the Exchange) is where ACA health plans are sold. You might also hear these plans called Exchange plans or Individual & Family plans. Don’t worry, they’re all the same thing — affordable health plan options for you and your family.

We offer Individual & Family plans in 26 states, including Texas, Florida and Georgia. Plan details vary by state, like premiums, network and certain benefits. The good news? We've got some great universal benefits that everyone can get — no matter where you live.

Want to know more about ACA Marketplace plans?

Let's cover a few more basics about ACA Marketplace plans.

What exactly are ACA Marketplace health insurance plans?

ACA Marketplace plans are health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid. You might also hear these plans called Exchange plans or Individual & Family plans. The health care Marketplace (also called the Exchange) is where ACA health care plans are sold.

How can I save money on the health care Marketplace?

Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022 , you may qualify for financial subsidies that will lower your premiums when you enroll in ACA Marketplace coverage. These subsidies could be tax credits or cost-sharing reductions to help pay for your health care costs.

When can I enroll?

2024 Open Enrollment starts Nov. 1, 2023, and ends Jan. 15, 2024, in most states.

Need to find health care coverage outside that enrollment window? You might qualify for a Special Enrollment Period (SEP). Learn about SEP .

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Looking for a plan?

Enter your ZIP code to see plans in your area.

Talk with a licensed insurance agent at: 1-800-557-6718 , TTY 711

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Call our Member Services team at: 1-877-265-9199 , TTY 711

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Best Short-Term Health Insurance Companies

How to choose the right short-term health insurance for you

Short-term health insurance, also known as short-term medical (STM) or term health insurance, can be a relatively inexpensive option for purchasing temporary coverage. It provides a “safety net” if you have a gap in your insurance and want to avoid a massive bill if you get a major injury or illness requiring hospitalization. If you are between jobs, waiting for Medicare eligibility, or have lost your coverage and do not want to risk waiting for Open Enrollment, short-term health insurance may be a good idea.

STM coverage is available for purchase year-round, and depending on where you live, it can range in length from 30 days to 36 months. Short-term health insurance typically covers unexpected illness, accidents, emergency care, and hospitalizations; however, coverage can be restricted in how much it will pay even in these circumstances. STM plans usually do not cover prescription drugs, pre-existing conditions, ongoing therapies (e.g. physical therapy), dental care, eye care, pediatric care, pregnancy, preventive care, or mental health. And the deductibles and coinsurance fees—the amount you pay before insurance kicks in—can be really high. 

If you find yourself coming into a coverage gap and are considering STM, finding the best short-term health insurance coverage for your needs is crucial. It’s essential to shop around and read all the fine print because each company’s plans and rates will be different. We researched plans offered by leading insurance companies and gathered this list to help you find the best short-term health insurance plans. 

  • Best Overall: Everest Reinsurance Company
  • Best Value: Pivot Health
  • Best for Customized Coverage: The IHC Group/National General
  • Best for Kids: Everest Reinsurance Company
  • Best for Longest Policy Options: United Healthcare/Golden Rule Insurance
  • Best for Fixed Indemnity Insurance: UnitedHealthcare/Golden Rule Insurance

Regulations

Short term health insurance is regulated by the state. For example, four states do not offer any short-term plans—so check to see if STM is available where you live and for how many months the policies will cover.

  • Our Top Picks

Everest Reinsurance Company

Pivot Health

  • The IHC Group/National General
  • United Healthcare/Golden Rule Insurance
  • UnitedHealthcare/Golden Rule Insurance
  • See More (3)

Final Verdict

Compare providers.

  • Methodology

Best Overall : Everest Reinsurance Company

Why We Chose It: We chose Everest as best overall because it offers reasonable prices, has low deductibles, allows you to see doctors who are out of network, and includes wellness visits, emergency care, and mental health care.

Can see providers in any network

Available in 25 of the 46 states that offer STM

Benefits include physical therapy, wellness, home health care, mental health, and substance abuse

Options for length of coverage, up to 12 months

Only covers prescriptions prescribed during covered hospitalization

No pre-existing conditions

No vision, dental, hearing, foot care, or maternity

Waiting period for some conditions (e.g. cancer)

Everest Reinsurance Company has been underwriting in the insurance market since 1973, and offers a wide range of rates and several benefits that other STM insurance plans do not have. Like all STM plans, Everest's short-term health insurance plans vary based on your age, health status, and how much you are willing to pay for deductibles and coinsurance. The plans we researched ranged from $77 to $195 per month.

Everest has an A+ (Superior) financial strength rating from AM Best. Deductibles range from $1,000, to $10,000, and maximum coverage benefits are $250,000 to $1,500,000. Coinsurance options are 50/50, 80/20, or 100/0, and all have copays of $40 or $50.

While there's a five-day waiting period for the routine wellness benefit, ER coverage starts the next day. To receive cancer benefits, the disease must be newly diagnosed 30 days after the plan start date. Everest policies can be purchased online, or you can visit its website or contact a representative.

Best Value : Pivot Health

Why We Chose It: Pivot Health offers a budget-friendly basic STM coverage, with additional options available that cover specific things important to you, like prescription drugs or vision care.

Website provides downloadable fact sheet with pricing

Includes physical therapy, home health care, mental health

24/7 access to telemedicine

Available in 27 of the 46 states which allow STM

Cheapest plans include very low maximum coverage of $100,000

ER pre-certification required within 48 hours

Prescription co-pays only available in more expensive plans

Excludes regular doctor visits, immunizations, and extreme sports injuries

Pivot Health, which started in 2015, underwrites its short-term health plans through multiple companies with an AM Best financial stability rating of A+ (Excellent). Pivot Health is currently available in 27 states and Washington, DC. The business is affiliated with the consumer advocacy group Communicating for America, which supports affordable health care for Americans. 

All plans have options of 20% or 30% coinsurance, and deductible is $1000. Maximum out-of-pocket coinsurance cost is $3,000 to $10,000, with annual coverage ranging from $75,000 to 2000,000 (for Indiana). 

Insurers that we researched charged from $68 per month to $77 per month for a three-month policy. Of the carriers we looked at, Pivot Health came in at the lowest cost (about $68 dollars per month). This “bare-bones” coverage basically pays for almost nothing until you have met the $10,000 deductible. However, this Pivot plan does allow you to see any doctor and covers mental health services. After the deductible has been met, a visit to the emergency room or an outpatient lab test or X-ray will only cost you the 20% coinsurance (in this scenario).

Pivot Health has an easy-to-use website. Select your state, age, gender, and specific insurance needs and it gives you quotes on available plans. You will need to enter your email address to get the quote, and agents are also available by phone to answer questions. 

Like most STM plans, exclusions include pre-existing conditions , pregnancy, and chiropractic adjustments. Once you’re enrolled, there’s a five-day waiting period for illnesses, 30 days for cancer, and six months to a year for some procedures (like a tonsillectomy).

Best for Customized Coverage : The IHC Group/National General

The IHC Group

Why We Chose It: The IHC Group offers the most customizable plans of all the companies we researched. You get a wide range of deductibles and term lengths (from three to 36 months, depending on your state). Some plans offer the ability to add optional coverage for pre-existing conditions, which can be very important if you have one.

Highly customizable plans in all price ranges

Telemedicine, check-ups included in some plans

X-rays and some other diagnostic exams included

Can see your own doctor, or out-of-network

Lifetime maximums up to $2,000,000

Pre-existing conditions covered on some plans up to $25,000

Highly customizable plans exclude many coverages

No online registration, must call or email

Sports-related injuries not covered

Some plans have high deductibles before you can access coverage

Some states require joining Communicating for America (CA)

IHC Group is an organization of insurance carriers and affiliates that include Independence Holding Company, Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Independence American Insurance Company and IHC Specialty Benefits. IHC was created in 1980, and has an AM Best f inancial strength rating of A-.  

IHC offers a buffet of plan options, so you can choose the exact services you want.  Plans, prices, and coverage will depend on what state you live in, and you’ll need to request a quote online to see the exact offerings in your state and their costs. The plans we researched ranged from six months at about $104 dollars per month, to a 36-month policy for $298 per month. 

Examples of IHC’s offering include:

  • A six-month policy, with a $10,000 deductible and $10,000 out-of-pocket maximum, no prescription coverage, and a $1 million cap on services. 
  • A 12-month policy, with a $5000 out-of-pocket and deductible limit, no prescription coverage, and a $1 million cap on services. 
  • A 36-month policy (if your state allows that) with a $6,000 deductible, and a $5 million dollar cap on services. You will also have a $40 copay to see a primary care doctor, and a $60 copay to see a specialist. Prescription drugs are covered with a $10 copay, but have a $3,000 limit. 

For all plans, you have the option of adding dental or vision coverage for a relatively low monthly cost. You can also add hospital insurance, prescription discount plans, and telemedicine consultation options.

Overall, for all states IHC serves, deductibles ranged between $2,500 and $10,000. The coinsurance options were 20%, 30%, 50%, 70%, and 80% with out-of-pocket maximums between $4,000 and $10,000, and service caps ranging from $1 million to $2 million. Pre-existing conditions (going back for five years) are typically not covered, but a few plans offer $25,000 in coverage. Each state will have different rules, so it is important to check all your options.

Most states require membership in Communicating for America, a national non-profit that supports affordable healthcare.

Best for Kids : Everest Reinsurance Company

Why We Chose It: Many insurers do not offer stand-alone STM healthcare insurance for children. We chose Everest for its overall lowest-cost plans for wide-ranging coverage for kids aged 2 to 25 years. Plus, Everest has an excellent track record and an A+ financial strength rating from AM Best.

Deductible options

Coinsurance options

$50 co-pay for both primary care and specialists

Mental health services

No prescription coverage

No online registration; must call or email

5-day waiting period for illness, 30 days for cancer

Does not cover pre-existing conditions or preventive care

Sometimes situations arise (a move to another state, divorce, etc.) where your child loses coverage or experiences a gap in healthcare insurance. Many families do not qualify while some kids are eligible for low-cost health insurance, based on family income, through CHIP, the Federal/State sponsored Children’s Health Insurance Program.

Everest is a good option if you want temporary coverage for your child that includes many services at a price that will not bankrupt you with high deductibles. 

Everest offers plans with a $2,500 deductible and $50 copays for doctor visits (the doctor can be out-of-network). The plans we researched ranged in price from about $57 to $172 dollars per month. The coinsurance is 20%, and the out-of-pocket limit is $7,500.  There’s no application fee, but there is a waiting period of five days.

Hospital services will cost you a $500 additional deductible per visit for the use of the ER. Additional deductible applies, then the plan deductible applies. However, the additional deductible is waived if the child is admitted to the hospital. 

Inpatient mental health services are covered at $100 per day, for a maximum of 31 days, and outpatient at $50 per day, for a maximum of 10 visits. This varies by state, as some states cover mental health, and some states exclude it.

Best for Longest Policy Options : United Healthcare/Golden Rule Insurance

United Healthcare

Why We Chose It: As the only provider that offers 36-month coverage (where allowable by state law), UnitedHealthcare won top choice for the longest policy options.

Up to three-year policy available in some states

$3,000 prescription coverage available

Preventative care wellness checks covered

Some pre-existing conditions may be covered after 12 months

May need to purchase supplemental insurance to cover accidents and critical illness

TriTerm only available in 18 states

Reduced out-of-network coverage that can vary

May be required to join FACT

UnitedHealthcare underwrites its policies through Golden Rule Insurance Company, a part of UnitedHealthcare since 2003. The company has been selling short-term health insurance for over 30 years, and policies are available in 24 states . UnitedHealthcare has a Moody’s insurer financial strength rating of A1.

Quotes and comparisons are easily available on the UnitedHealthcare website. In some states, you must join a consumer organization, the Federation of American Consumers and Travelers (FACT), for an additional $4 per month charge. Policies vary in length from one month to 12 months, with the option for 36 months on the TriTerm Medical plan that is available in 18 states .

Some STM plans cover 100% of medical costs once you meet the deductible (0% coinsurance) or there are options where you pay 20%, 30%, or 40% coinsurance until you reach the annual maximum. You can also add prescription coverage.

Maximum benefits range from $500,000 to $2 million and are subject to exclusions (think maternity care, emergency services, preventative care, hospitalization, and pre-existing conditions). Coverage begins after you meet the deductible with options of $2,500, $5,000, $7,500, $10,000, or $15,000.

Depending on the plan, waiting periods vary, with a six-month waiting period for preventive care benefits, and 12 months for eligible pre-existing conditions.

Best for Fixed Indemnity Insurance : UnitedHealthcare/Golden Rule Insurance

Why we chose It: UnitedHealthcare, the largest healthcare provider in the United States with more than 53 million enrollees, offers the most generous coverage amounts of all the fixed indemnity plans we looked at.

No deductibles

Can register online

Website has tools to track claims and see benefits

Option to add dental coverage

May be subject to medical underwriting

Five-day waiting period for illness coverage

Lots of exclusions/fine print to read

Fixed-payment or fixed-indemnity coverage pays you or your provider a predetermined amount for each day (or another time period) you are hospitalized or receive a medical service (e.g. doctor visit). It can be purchased in addition to any other insurance, often as a back-up in case your primary insurance does not cover all expenses. While these plans may accept people with pre-existing conditions, they also have a set limit on how much they’ll pay for each medical situation.

The UnitedHealthcare indemnity plans we researched, called the Health ProtectorGuard, cost from $52 to $139 dollars per month, but costs will vary based on your age and health history. Typical coverage includes $1,000 to $5,000 per day for inpatient hospital confinement, $2,000 per day for ICU care, $100 per visit for inpatient physician visits, up to $10,000 per day for surgical costs, $100 per day toward preventive costs, and a pharmacy discount card. UnitedHealthcare is available in 35 states and has an AM Best financial strength and stability rating of A-(Excellent). Policies can be purchased online or you can call UnitedHealthcare with questions.

Indemnity insurance plans are very detailed and very specific about what procedures/services are covered or not covered. For example, the United Healthcare contract is 16 pages long.

Because short-term health insurance policies vary so widely by state and are not offered in 11 states, it is important to narrow down exactly what options you have to choose from. Read the fine print of what policies exclude is key, and ask the agent who represents the insurance company lots of questions before you commit. 

In our review, we saw two insurers that we would recommend for the majority of consumers: The best overall is Everest Reinsurance Company, and the IHC Group is best for customized coverage. Between these two carriers, you have a very good chance of finding the coverage you need at a reasonable price.

What Is Short-Term Health Insurance?

STM is medical coverage you purchase from an insurance company that covers illness and injury for a specific amount of time, from one month to three years, depending upon the regulations of the state you live in. STM is often purchased as a safety net for someone who is temporarily not covered by health insurance. If you are considering STM, make sure you understand exactly what you're buying and what is covered. 

Who Qualifies For Short-Term Health Insurance?

Anyone can apply for short-term health insurance. However, the companies who offer it may refuse to insure you or only offer limited coverage because they use medical underwriting to determine if you have pre-existing conditions that would be expensive to cover. 

Should You Get Short-Term Health Insurance?

If you are going to be without coverage for a limited time, short-term health insurance may be a good option for you if you do not have pre-existing conditions, but you need to research coverage carefully. 

How Much Does Short-Term Health Insurance Cost?

Price per month will vary, based on where you live, your age, gender, and other factors. Short-term health insurance is available for as low as $45 per month, and can run well over $200 per month.

What Does Short-Term Health Insurance Exclude?

Short-term health insurance does not cover most ACA requirements, for example, pregnancy and wellness visits, and usually don't cover pre-existing conditions. 

How Does Short-Term Health Insurance Compare To COBRA Coverage?

Short-term health insurance is generally less expensive than buying COBRA coverage, but it will not cover as many medical needs. COBRA coverage also is federally mandated to last for up to 18 months, while length of short-term health insurance plans vary by state, from 3 months to 36 months.

How We Chose the Best Short Term Health Insurance

We looked at over 14 short-term health insurance providers, evaluating each one on a combination of industry ratings such as AM Best, how many states it provides coverage in, website ease of use, and price comparisons. In each category, we shopped for policies using the same age and gender. 

Because short-term health insurance pricing and length of term (30 days to 3 years) depends upon each state’s regulations, it is challenging to compare plans “apples to apples” across the entire United States when researching prices. So, we selected the companies that have proven track records for their industry and are available in the largest number of states possible.

Luis Alvarez / Getty Images

AM Best. Everest Reinsurance Company . Updated May 7, 2021.

AM Best. AM Best affirms credit ratings of Independence Holding Company and its subsidiaries . Updated December 16, 2020.

Healthcare.gov. Children's Heath Insurance Program (CHIP).

Moodys. Moody’s affirms UnitedHealth Group’s ratings after acquisition announcement; outlook stable . Updated January 7, 2021.

AM Best. AM Best affirms credit ratings of UnitedHealth Group and most subsidiaries; upgrades credit ratings of certain subsidiaries . Updated December 18, 2020.

CMS.Gov. Cobra coverage continuation.

Consumers beware: Not all health plans cover doc visits before deductible is met

If you buy one of the less expensive insurance plans sold through the health law’s marketplaces, you may be in for a surprise. Some plans will not pay for a doctor visit before you meet your annual deductible, which could be thousands of dollars.

“This could be the next shoe to drop, as people don’t realize that if they’re buying a bronze plan, they may have to pay $5,000 out of pocket before it contributes a penny,” said Carl McDonald, senior analyst with Citi Investment Research, speaking at a Washington, D.C., conference last month.

Experts worry that some enrollees will be discouraged from seeing doctors if they have to pay the full charge, rather than simply a copayment.

Those who’ve bought their own insurance have always had to pay a set annual sum, called a deductible, before policies begin paying their claims. But first-time insurance buyers may not realize they’re on the hook for additional costs before benefits kick in, and may choose a plan based solely on the monthly premiums.

Bronze and silver plans — which have lower monthly costs but typically, higher deductibles — are the most likely to require consumers to spend that amount themselves before the insurer pays any claims. 

There is no nationwide data on how many do that. But in seven major cities, half of bronze plans on average require policyholders meet the deductible before insurers help with the cost of a doctor visit, according to an analysis of data from online insurance broker eHealthinsurance.com for Kaiser Health News. Patients in those plans who haven’t yet met their annual deductible would have to pay the full cost of the visit, unless it was for a preventive service mandated by the law. A typical office visit can run $65 to $85, while more complex visits can cost more.

Silver plans, which generally have higher monthly premiums, are more generous, with more than three-quarters paying for doctor visits before the deductible is met. The analysis included most or all of the plans available through the health law marketplaces in Atlanta, Philadelphia, Dallas, Tampa-St. Petersburg, Miami, Chicago and Phoenix.

Meeting the deductible before most coverage kicks in is common in the individual market, but differs sharply from job-based health insurance. More than three-fourths of the insurance plans offered to Americans with coverage through their jobs pay a substantial chunk of the cost of doctor visits without the worker having to meet the annual deductible first, according to the annual survey of employers by the Kaiser Family Foundation. (KHN is an editorially independent program of the foundation.)

All plans must cover preventive services Under the law, Congress granted insurers leeway in how they design their plans, so long as bronze plans cover at least 60 percent of the costs of a typical policyholder, silver plans cover 70 percent, gold plans cover 80 percent and platinum plans cover 90 percent – with consumers on the hook for the remainder. Gold and platinum plans were not included in the eHealth/KHN analysis because they generally cover more services with less cost-sharing by consumers. 

All new plans must cover some defined preventive services with no copayment by the consumer and without having to meet the deductible first. Those include some vaccinations, mammograms and other cancer screenings, contraception, including birth control pills, and periodic physicals. But prevention services do not include treatment for an illness, such as the flu. Charges could also apply if, during a preventive care visit, the patient is also treated for a medical condition or a minor injury.

In addition to doctor visits and preventive care, some plans may also offer limited coverage for some prescription drugs.

So policyholders get some coverage simply by paying their monthly premiums. 

But “consumers need to look closely at plan design,” said Nancy Metcalf, senior program editor at Consumer Reports. “If you have someone without a lot of money and they have a $4,000 or $6,000 deductible before anything [beyond preventive services] is covered, I have concerns about access to care.”

Sixty-four percent of bronze plans offered in Dallas, for example, require policyholders to meet the full deductible before insurance coverage kicks in, according to the eHealth/KHN analysis, which included all insurers except one, Molina Healthcare. The average deductible in those plans was $5,400, according to the data provided to eHealth by insurers.

In Philadelphia, by contrast, 33 percent of bronze plans require policyholders to pay the deductible first, the smallest percentage among the cities studied. The average bronze deductible there was $5,689.

Among silver plans, the analysis showed that far more provide some coverage before the deductible is paid. Of 14 plans examined in Chicago, for example, only one required the deductible to be fully met before the consumer could see a primary care doctor for a small copayment. All but one insurer, Land of Lincoln Mutual, were included in that analysis.

In Florida, 90 percent of silver plans offered in Tampa and 89 percent in Miami allowed coverage for at least some doctor visits before the deductible was met. In Florida, however, the database did not include one major insurer, Florida Blue, which has more than 18 plans in the Miami market alone. Florida Blue did not respond to requests from KHN for information about which of its plans cover doctor visits before the deductible is met.

Don’t assume   lowest premium plan is best Cigna spokesman Joe Mondy said that the insurer sought to offer consumers a range of choices. Some of Cigna’s plans, for example, allow in-network visits with primary care doctors before the deductible is met, typically for a $30 to $45 copayment, while others do not.

“We structured the plans with the recognition that a lot of the new customers have never had a primary care or family doctor,” Mondy said. Plans that allow primary care visits for a small copayment are expected to foster doctor-patient relationships, he said.

Under the law, there are special provisions for lower-income Americans who purchase a silver plan but not a bronze plan. People who earn less than 250 percent of the poverty level – about $28,700 for an individual – get extra help from the federal government in the form of lower copayments for doctor visits and smaller annual deductibles. For the lowest-income residents, that can mean plans with little or no deductible and copayments as small as $3 for primary care doctor visits.

“Be very careful before you take a bronze plan over a silver plan” if you are in the subsidy-eligible income range, said Linda Blumberg, a senior fellow at the Urban Institute. Those earning less than twice the federal poverty level, about $23,000 a year for an individual, get the most help, with subsidies ratcheting down sharply after that.

Consumer advocates say shoppers should consider a wide range of plans – and not assume that the plan with the lowest monthly premium is the best for them. Still, finding out about what services – other than preventive care – are covered before the deductible is met can take some digging.

Generally, any plan that can be linked with a “health savings account” — a way to put money aside tax-free to cover medical costs — will not cover much except preventive care before the deductible is met because of rules governing those accounts. For all other plans, consumers can check insurers’ websites for details or log onto healthcare.gov, the federal marketplace that covers residents of 36 states. A new feature added to healthcare.gov shows each policy’s monthly premium, annual deductible and the copayments required for doctor visits, drugs and emergency room care.

Plans that list a price for a doctor visit followed by the phrase “after the deductible is met” mean the consumer must pay the full deductible before getting doctor visits for a small copayment. Additional information can be found by clicking the “details” button and reading the summary of benefits. Consumers can also call insurers directly or look up the information under the policy name on an insurers’ website.

Bobby Brock Insurance | Tupelo, MS

Call 662-844-3300

Does medigap plan g pay doctor visits.

  • January 2, 2024

Does Plan G Pay Doctor Visits?

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Medicare beneficiaries have lots of options when it comes to Medicare plans. One of the most popular choices is Medigap Plan G . It’s known for its comprehensive coverage and predictable costs. One question we often get asked is, “Does Plan G pay doctor visits?” We’ll answer that question today.

What Is Medicare Plan G?

Let’s start with the basics. What exactly is Plan G? Plan G is one of several Medicare Supplements, also known as Medigap plans. These plans exist to fill in the gaps left by Original Medicare coverage. Original Medicare consists of Parts A and B. It offers great coverage but leaves you with many out-of-pocket costs. Without a Medigap plan, those costs could lead to financial hardship.

Plan G is often compared to other popular options like Plan F and Plan N. Before 2020, Plan F was the go-to choice for many beneficiaries because it picked up every out-of-pocket cost, including the Part B deductible. However, it’s no longer available to new enrollees. This shift has helped push Plan G into the limelight as the most comprehensive plan available to all Medicare beneficiaries. Unlike Plan F, Plan G does not cover the Part B deductible. However, it often compensates with lower premiums, making it a more cost-effective choice.

The coverage offered by Plan G includes:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayments
  • Blood (first three pints)
  • Part A hospice care coinsurance or copayments
  • Part B excess charges
  • Skilled nursing facility care coinsurance
  • Medicare Part A deductible
  • Foreign travel emergency (up to plan limits)

Given this array of coverage, you can see why Plan G stands out as a robust choice for those seeking full coverage with predictable costs.

Plan G and Doctor Visits

Even those of us who are relatively healthy will likely see a doctor several times each year. For this reason, it’s important for beneficiaries to know if those visits will be covered by Original Medicare and Plan G. Good news – they are! But to prepare you even more, let’s talk about these visits in more detail.

Types of Doctor Visits

Not all visits to your doctor are coded the same way. Each service or procedure you have gets assigned a specific medical code. Here are just a few types of doctor visits Plan G covers.

  • Primary Care Visits: Routine visits to your primary care physician for general health check-ups, illness, and health management are covered.
  • Specialist Consultations: Visits to specialists, whether referred by your primary doctor or not, are covered under Plan G. This includes consultations with cardiologists, endocrinologists, orthopedists, and other specialists.
  • Preventive Services: Preventive healthcare services, such as annual wellness visits, screenings for various conditions, and vaccinations, are covered. Medicare often covers these services at 100%, meaning there may be no additional cost even before the Part B deductible is met.
  • Outpatient Services: Plan G covers outpatient services that are typically provided in a doctor’s office. This includes certain therapies, diagnostic tests, and minor surgical procedures.

It’s important to note that while Plan G covers the financial aspect of the doctor visits, it does not dictate which doctors you can see. As long as the doctor accepts Medicare, Plan G will provide coverage. This freedom to choose your healthcare provider is a significant advantage, offering flexibility and comfort in knowing that you can continue seeing your preferred doctors.

Costs Associated with Plan G Doctor Visits

One of the main advantages of Medicare Plan G is its clear and predictable cost structure, especially concerning doctor visits. Understanding these costs is essential for effectively budgeting and maximizing your healthcare plan. Let’s talk about the costs you’ll be responsible for under Plan G.

First, you’ll need to take care of the Medicare Part B deductible. As we mentioned earlier, there may be some preventive care visits that won’t apply to the deductible, but everything else will. The Part B deductible must be met each year before your full benefits begin. As of 2024, that amount is $240.

Once you’ve paid your deductible, Plan G picks up 100% of all covered services. This means you won’t owe anything for doctor visits or other outpatient services. Without Plan G, you’d be responsible for a 20% coinsurance for every outpatient service. There is no limit or cap to that 20% responsibility, so your costs could be significant.

Remember, Plan G will only pay for services that have been approved by Medicare. As long as Part B approves a service, it will also be covered by Plan G. If Part B denies something, Plan G will also deny it. Another cost to be aware of is Part B excess charges. In some cases, doctors who do not accept Medicare assignment may charge up to 15% more than the Medicare-approved amount. Plan G does cover these excess charges, which means you have an additional layer of financial protection.

Advantages of Choosing Plan G for Doctor Visits

Choosing the right Medicare Supplement plan is a decision that impacts both your health and finances. With its comprehensive coverage, Plan G offers several advantages, particularly when it comes to doctor visits. Understanding these benefits will help you decide if Plan G aligns with your healthcare needs and priorities.

Unlike some Medicare Advantage (Part C) plans, you won’t need to choose a primary care physician under Plan G. If you want to see several doctors, you don’t have to alert your plan or get permission. This same is true for specialists. Some Medicare Advantage plans require you to get a referral from your primary care doctor before seeing a specialist. You won’t have to jump through that hoop with Plan G. This will save time and streamline your access to necessary medical care.

In addition, there are no network restrictions with Medigap plans. Plan G allows you to see any doctor who accepts Medicare, regardless of which insurance company you purchase the plan from. This freedom is especially beneficial for those who travel or live in different parts of the country throughout the year.

Get Medigap Plan G Help from Bobby Brock Insurance

Plan G offers a nice blend of comprehensive coverage, financial predictability, and flexibility, making it an appealing choice for many Medicare beneficiaries.

If you’re considering Medicare Plan G or have questions about how it compares to other options, Bobby Brock Insurance is here to assist. Our expertise lies in helping you navigate these important decisions, ensuring that you choose a plan that perfectly aligns with your healthcare needs and lifestyle.

Don’t navigate the complexities of Medicare alone. Reach out to Bobby Brock Insurance for expert guidance and support. Call us , or drop by our office to start your journey toward a worry-free healthcare experience with Medigap Plan G.

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Precertification is a requirement under your certificate for certain medical services.  Pre-certification is a general determination of medical necessity only, not an assurance of coverage, verification of benefits or a guarantee of payment. The following must always be pre-certified for medical necessity before admission or receiving the treatments and/or supplies:

  • Any treatment requiring inpatient hospitalization
  • Surgery or surgical procedure, including outpatient surgery
  • CAT scans or MRI's
  • Care in an extended care facility
  • Home nursing care
  • Chemotherapy
  • Radiation Therapy
  • Interfacility Ambulance Transfer

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You will need to put in your Health Insurance ID Number and Date of Birth to set-up an account.  If you do not have your Health Insurance ID Number, please contact our office at 703-660-9062.

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PATIENT Claim Form You must also complete a PATIENT Claim Form .  This is a separate form than the Claim information provided by your Doctor.  Click here for a PATIENT Claim Form for you or your dependents .  You must submit the completed PATIENT Claim Forms to VISIT® within 90 days of your visit to the doctor or hospital.  SUBMIT YOUR PATIENT Claim Form Online: MyIMG  By email: [email protected]   Fax: 703-991-9164

How can I be reimbursed for medical payments I paid? Any medical expense you have paid may be submitted to the claims office for reimbursement.  Please complete and submit a PATIENT Claim Form and include all receipts for expenses you have paid.

How do I Pay for My Prescriptions? In addition to your VISIT ® Plan E Plus Health Insurance ID card, you will receive two Discount Drug Cards ( Universal Rx and WELLCARD) for your Prescriptions. Be sure to Register your WellCard online at www.wellcardhealth.com .  When going to the pharmacy, please present both Discount Drug Cards.  If the prescription is eligible for either discount, it will be applied at the time of your purchase.  If there is a remaining cost due after the discount, please pay the remaining balance to the pharmacy and keep the receipt.   To be reimbursed for the remaining balance of the prescription, please submit a PATIENT Claim Form with your receipt and a copy of your prescription.  The deductible and co-insurance apply.

If you have lost your ID CARD, please email us at [email protected] to request a replacement or you can download a copy from your MyIMG Account.

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How do I check on the status of my Claim? For claims questions, please first check your MyIMG Account.   After checking your online account, if you still have questions, we ask that you provide the following information by email to us at [email protected] :

Name of the Person the Claim is for – if it is for a dependent, please provide THEIR full name

Date you or your dependent went to the doctor ?

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If you have a copy of a bill you do not understand, please include a copy of the bill in your email ?

One of our Claims Advocate will review your Inquiry and work on resolving your questions and or concerns. Our Claims Advocate will need a few days to review the information and research the claim. Due to the high call volume, the preferred and most efficient form of communication is EMAIL Therefore it’s important that you check your email often because we may need additional information to resolve your concerns quickly and accurately.   * Please note , the Claims Office will make the final determination on your claim (NOT VISIT Insurance).  VISIT Insurance can assist you in making sure you have filed all the proper forms (Doctor and Patient Claim Forms, Medical Records, Accident Form and Subrogation Form as required) in order to have your clam properly processed as well as assist you in understanding any documents you may have received.

If your Claim is showing as PENDING, please be sure to check the status of the claim on your MyIMG Account to see what information is needed to finalize your claim.  

There is no record of my claim Contact your doctor's office and ask them to submit the claim to IMG.  If they say they have already submitted the claim, be sure to verify the address they sent the claim to and the date it was sent.  Email this information to [email protected] and ask the Claims Office to research their records to see if the claim is in their system.  If the Claims Office is unable to locate the claim, please contact your doctor's office and ask them to resubmit the claim.  Claims can be mailed to: I nternational Medical Group, Inc. Claims Department PO BOX 88500 Farmington Hill, MI 48333

Patient to submit a completed IMG Claim Form You must complete a PATIENT IMG Claim Form to process your claim.  This form can be completed online through your MyIMG Account or you can download the IMG Claim Form and mail it or fax it to the claims office.

Charges pending receipt of medical records requested from provider To process your claim , your doctor must provide the medical records to IMG for your treatment.  Please contact your doctor's office and ask them to submit your medical records to the IMG.  Medical records can be mailed to: International Medical Group, Inc. Claims Department PO BOX 88500 Farmington Hill, MI 48333

Your file has been closed due to a lack of response This means that additional information has been requested but the Claims Office has not received the information.  The file can be reopened once the information is received.

In order to process these charges, please submit on a HCFA/UB Form Indicating Standardized procedure (CPT) and Diagnosis (ICD) codes. These forms are standard forms that doctors use to file a claim with an insurance company.  Your doctor should have these forms available.  If they are not sure what to file or have questions, please have the them call IMG at 1-800-628-4664.

How long do I have to file a claim? Your IMG PATIENT Claim Form must be submitted to the IMG Claims Office within 90 days of your visit to the doctor, urgent care, emergency room and/or hospital.  You and your doctor, hospital and other healthcare and medical service providers and suppliers shall have one hundred eighty (180) days from the date a claim is incurred to submit a complete Proof of Claim, medical records and any additional information needed to process your claim.

What is a Deductible? For a covered medical expense, the deductible is the portion of your medical bill that is your responsibility.  The deductible will first be subtracted from the total medical bill and you will need to pay this portion directly to the doctor or hospital.  

Your deductible is $100 per year.

What is Co-insurance? After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical maximum.

How do I Pay for My Prescriptions? Prescriptions are a reimbursable expense. You will need to pay for your prescription and then complete a claim form to be reimbursed.

If you need to apply for a reimbursement, download a Claim Form. VISIT ® E Plus Plans - Medical Claim Form - English What is a pre-existing condition? A Pre-existing condition means any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy , whether or not previously manifested , symptomatic, known, diagnosed , treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury , Illness, disease, Mental Illness or Mental Nervous Disorder , for which medical advice , diagnosis , care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy.

What is Precertification? Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.

Pre-certification Does Not Guarantee Benefits – The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions and exclusions herein.

Concurrent Review – For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.

What is a Reasonable & Customary charge? Reasonable and Customary charge is the amount normally charged by medical service providers for similar services and supplies in your area of living.   Doctor's not in the Multiplan Network are not required to charge the Reasonable and Customary charge.  Please note: Going to a doctor or hospital outside the UnitedHealthcare Network may result in higher payments for your medical procedure and a higher out-of-pocket expense for you and your family.

What is Medical Evacuation? Medical Evacuation means transferring the insured person to the nearest hospital or medical facility in case of an emergency injury or sickness or back to his/her home country. It can be done by any necessary means of transportation.  

What is Repatriation? In case of death, the Repatriation benefit covers the transportation of your remains back to your family and your home country.  

Are Injuries from Sports Covered? Recreational sports are covered through the regular medical coverage.   Injuries from i ntercollegiate, interscholastic, intramural or club sports are not covered.

Is there Dental Coverage? There is limited coverage injury to natural teeth on your policy.

Do I need a referral to go to a Specialist? A doctor’s referral typically is not required.      

doctor visit insurance plans

Types of Doctors and Medical Specialists: Which One Should You See?

Learn about the different types of primary care doctors and medical specialists.

This article is based on reporting that features expert sources.

Types of Medical Specialists

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Navigating the health care system is daunting, especially when determining which type of doctors or medical specialists to see for specific health concerns. Understanding the role of your primary care physician and various medical specialists will help you make informed decisions about your health care needs.

Learn about the different types of medical specialists and when you may need a referral to visit a specialty doctor.

Key Takeaways

  • There are various types of primary care doctors, including internal medicine doctors, family medicine doctors and pediatricians.
  • Primary care physicians can generally take care of a majority of medical cases.
  • You may need to see a specialist in certain circumstances, such as if you have a chronic or complex disease, lab results that need expert interpretation, an uncertain diagnosis or a need or want for a second opinion.
  • There are various medical specialists and subspecialists who are specifically trained in the diagnosis and treatment of certain types of diseases and conditions.

Primary Care Doctors

Primary care doctors are the entry point to the medical system. They provide a comprehensive approach to care, including prevention, treatment and rehabilitation of health issues. Primary care doctors also help coordinate care when you need to see a specialist.

Having a primary care doctor allows for an ongoing patient-doctor relationship built on mutual trust.

There are different types of primary care doctors :

  • Internal medicine doctors. Also called an internist , internal medicine doctors manage common and complex illnesses typically for adults and older adults.
  • Family medicine doctors. Family medicine doctors provide continuous care for people of all ages, backgrounds and conditions, often caring for entire families from birth through the end of life.
  • Pediatricians. Pediatricians are a type of primary care doctor specializing in the care of infants, children and adolescents. They provide primary and preventive care, including administering routine immunizations or providing acute care for common childhood illnesses , like ear infections, colds and flu and minor injuries.

Starting with a visit to your primary care physician is a great way to assess whether or not you need to see a specialist.

“Sometimes, I’ll say to the patient, ‘I can take care of that. You don’t need to go to the specialist at this point in time,’” says Dr. Theodore Strange, chair of medicine at Staten Island University Hospital, a division of Northwell Health, in New York City.

In fact, upwards of 95% of cases can be taken care of with good primary care , says Dr. David Cutler, a board-certified family medicine physician at Providence Saint John’s Health Center in Santa Monica, California. “The referral itself is the exception,” he adds.

When to See a Medical Specialist

However, there are a few reasons doctors may refer patients to a specialist, including:

  • If the patient has a certain chronic or complex disease with symptoms that may need specialist testing. For example, someone with a cardiac condition may need a stress test, or an individual with a GI condition may need a specific type of endoscopy or colonoscopy.
  • If you have the results of testing and need a more expert interpretation of the test to better treat the case.
  • If there’s a patient with an uncertain diagnosis. A primary care physician may refer you to a specialist if they have run out of options and need an expert with more specialized medical knowledge to diagnose and treat you.
  • If you need or want a second opinion .

Types of Medical Specialists You Might Need

Medical specialists have additional training and expertise in a specific area of medicine. Some even subspecialize, meaning they have even more specialized training within their specific field of medicine.

Below are several common medical specialists you might see.

Allergists-immunologist

  • What is an allergist-immunologist? An allergist-immunologist diagnoses, treats and manages disorders related to the immune system, immune deficiency diseases and adverse reactions to triggers, such as drugs or food.

What do allergists-immunologists treat? Allergist-immunologists treat allergic rhinitis (hay fever), food allergies , asthma, eczema, immunodeficiency disorders and other conditions related to the immune system.

Cardiologist

  • What is a cardiologist? Cardiologists deal with the prevention and treatment of disorders of the heart and vascular system.

What do cardiologists treat? Cardiologists treat cardiac issues, such as coronary artery disease , heart failure, arrhythmias and congenital heart defects.

Dermatologist

  • What is a dermatologist? Dermatologists are medical specialists trained in the diagnosis and management of conditions related to the skin, hair and nails.

What do dermatologists treat? Dermatologists treat a wide range of issues, including acne, rashes, eczema, psoriasis , skin infections and skin cancer . They may also treat patients with cosmetic concerns, such as wrinkles or acne scarring.

Endocrinologist

  • What is an endocrinologist? Endocrinologists are doctors who focus on disorders related to the endocrine system , which involves the glands and organs that make hormones.
  • What do endocrinologists treat? Endocrinologists treat patients with endocrine conditions and disorders, such as diabetes, thyroid disorders, metabolic abnormalities and hormonal imbalances .

Gastroenterologist

  • What is a gastroenterologist? Gastroenterologists , or GI doctors, manage diseases of the gastrointestinal tract, including your esophagus, stomach, bowels, liver, pancreas and gallbladder.

What do gastroenterologists treat? Gastroenterologists treat GI conditions, like cancer , hepatitis, irritable bowel syndrome, diarrhea or constipation, heartburn and ulcers.

Geriatric medicine specialist

  • What is a geriatric medicine specialist? Also referred to as geriatricians , specialty doctors of geriatric medicine have specialized knowledge related to aging and training in diagnostic, therapeutic, preventive and rehabilitative care for older adults.
  • What do geriatric medicine specialists treat? Geriatric physicians treat conditions that may commonly occur with aging , such as cognitive decline, mobility issues, chronic diseases and medication management. They often collaborate with other health care professionals, such as physical and occupational therapists, mental health professionals and social workers.

Hematologist

  • What is a hematologist? Hematologists focus on disorders related to the blood and blood-forming tissues and organs.

What do hematologists treat? Hematologists treat blood-related conditions, such as anemia , bleeding or clotting disorders and blood cancers.

Hospice and palliative medicine specialist

  • What is a hospice and palliative medicine specialist? Hospice and palliative medicine specialists provide care and support to patients and their families as the patient navigates living with a serious or terminal illness.
  • What do hospice and palliative medicine specialists treat? Hospice and palliative medicine specialists aim to prevent and alleviate suffering and to focus on improving quality of life for those with serious illness. This may include addressing physical, psychological, social and spiritual needs, such as administering pain management or end-of-life care . Common conditions treated include cancer, cardiovascular diseases and chronic obstructive pulmonary diseases, or COPD .

Infectious disease specialist

  • What is an infectious disease specialist? Infectious disease specialists diagnose and treat infections caused by bacteria, viruses, fungi or parasites.
  • What do infectious disease specialists treat? This medical specialist treats a wide range of infectious diseases, including HIV/AIDS , antibiotic-resistant infections and tuberculosis.
  • What is a geneticist? These medical specialists diagnose and treat genetic disorders or conditions. Geneticists have special training in the study of genes and heredity.
  • What do geneticists treat? Clinical geneticists care for patients in a clinical or research-based setting, and many geneticists counsel patients at risk for particular genetic disorders or cancers, such as sickle cell disease or hereditary breast and ovarian cancer .

Nephrologist

  • What is a nephrologist? Nephrologists are medical doctors who treat disorders of the kidney.

What do nephrologists treat? Nephrologists treat patients with kidney-related disorders , including kidney stones, chronic kidney disease and kidney failure. They often provide related medical management and may oversee dialysis, kidney transplantation and postoperative care, and managing diabetes or high blood pressure .

Neurologist

  • What is a neurologist? Neurologists are specialty doctors who diagnose and treat disorders of the nervous system, including the brain, spinal cord and nerves.

What do neurologists treat? Neurologists treat a range of disorders affecting the nervous system, including epilepsy, stroke, Alzheimer’s disease and other memory disorders , Parkinson’s disease and migraines.

Obstetrician-gynecologist

  • What is an OB-GYN? An obstetrician-gynecologist specializes in the medical and surgical care of women related to pregnancy and childbirth and disorders of the female reproductive system.

What do OB-GYNs treat? In addition to pregnancy and childbirth, OB-GYNs specialize in women’s health issues, such as menopause , contraception (birth control), infertility, endometriosis and polycystic ovarian syndrome, or PCOS.

  • What is an oncologist? Oncologists specialize in diagnosing and treating cancer .

What do oncologists treat? Oncologists manage several aspects of cancer care throughout the course of the disease and often consult with other specialists, like surgical oncologists, to develop treatment plans and provide care. These medical doctors often subspecialize in a particular type of cancer, such as breast oncology , neuro-oncology and radiation oncologists.

Ophthalmologist

  • What is an ophthalmologist? Ophthalmologists are eye doctors who are medically trained to manage all aspects of eye and vision care , including medical and surgical treatments.

What do ophthalmologists treat? General ophthalmologists treat diseases and disorders of the eye, such as cataracts, glaucoma, eye infections, diabetic retinopathy and refractive errors. They can also prescribe glasses and contact lenses.

Orthopedist

  • What is an orthopedist? A general orthopedist , or orthopedic surgeon , specializes in disorders and injuries of the musculoskeletal system, including bones, joints, ligaments, tendons and muscles.

What do orthopedists treat? Orthopedists may treat congenital deformities, traumatic or sports injuries, spinal disorders and degenerative diseases, as well as perform other types of orthopedic surgery .

Otolaryngologist

  • What is an otolaryngologist? Commonly referred to as ear, nose and throat doctors, or ENTs, otolaryngologists are medical and surgical specialty doctors who diagnose and treat diseases and disorders of the head and neck.

What do otolaryngologists treat? Conditions ENTs treat may include chronic sinusitis, allergic or non-allergic rhinitis, gastrointestinal reflux , tonsillitis and sleep apnea .

Physical medicine and rehabilitation physician

  • What is a physical medicine and rehabilitation physician? Also referred to as physiatrists , these doctors focus on the functioning of the whole patient, rather than specific organs or systems, to manage pain and restore function.
  • What do physical medicine and rehabilitation physicians treat? Physiatrists treat conditions which may limit a person’s ability to function, such as amputation, brain injury, cerebral palsy, Parkinson’s disease or a spinal cord injury.

Plastic surgeon

  • What is a plastic surgeon? Plastic surgeons subspecialize in performing procedures that restore, reconstruct or replace physical defects or functions.
  • What do plastic surgeons treat? Plastic surgeons handle reconstructive procedures, like cleft lip and palate repair or breast reconstruction after mastectomy, as well as cosmetic procedures, such as rhinoplasty or facelift.
  • What is a podiatrist? Podiatrists treat issues of the foot, ankle and lower extremities.
  • What do podiatrists treat? Podiatrists manage conditions or injuries related to the lower extremities, such as sprains and fractures, plantar fasciitis , bunions, hammertoes and foot and ankle arthritis.

Psychiatrist

  • What is a psychiatrist? A psychiatrist is a medical doctor who specializes in the evaluation and treatment of mental health, emotional and behavioral health disorders. They can prescribe medication and use other medical approaches to disease.
  • What do psychiatrists treat? Psychiatrists see patients with mental, addictive and emotional disorders, such as psychotic disorders, mood disorders, anxiety disorders and substance use disorders.

Psychologist

  • What is a psychologist? A psychologist is a mental health professional who treats mental, emotional and behavioral issues through therapy and counseling. Unlike psychiatrists, they cannot prescribe medication in most states. (Only Idaho, Illinois, Iowa, Louisiana and New Mexico allow psychologists with additional, specialized training to prescribe from an approved list of medications for certain emotional and mental health disorders, but they often collaborate with psychiatrists and other health providers.)
  • What do psychologists treat? Similar to psychiatrists, psychologists work with patients with a variety of mental health disorders . They may also see people without clinical disorders who are feeling stressed or anxious to help them cope more effectively.

Pulmonologist

  • What is a pulmonologist? Pulmonologists are medical specialists of the respiratory system.

What do pulmonologists treat? Pulmonologists manage serious or chronic diseases of the lungs and airways, such as emphysema, bronchitis , pneumonia, asthma and COPD.

Rheumatologist

  • What is a rheumatologist? Rheumatologists are specialized medical doctors who diagnose and treat disorders related to your joints, muscles and connective tissues.

What do rheumatologists treat? Rheumatologists treat musculoskeletal diseases and systemic autoimmune conditions – referred to as rheumatic diseases – such as rheumatoid arthritis , osteoarthritis, lupus, fibromyalgia and gout .

Sleep medicine specialist

  • What is a sleep medicine specialist? These medical specialists manage clinical sleep-related disorders and promote healthy sleeping habits. 

What do sleep medicine specialists treat? Sleep medicine specialists use clinical assessment and physiologic testing to diagnose, manage and prevent sleep disorders , such as insomnia, narcolepsy, parasomnias, circadian rhythm disorders and sleep-related breathing disorders, like obstructive sleep apnea.

General surgeon

What is a general surgeon? General surgeons are trained in diagnosis, preoperative, operative and postoperative management in the nine primary components of surgery, which consist of the:

  • Abdominal and pelvic organs.
  • Breasts, skin and soft tissues.
  • Head and neck.
  • Cardiovascular system.
  • Endocrine system.
  • Surgical oncology.
  • Critical care and emergency surgery.

What do general surgeons treat? General surgeons can perform surgical procedures for a wide range of conditions, including appendectomies, hernia repairs and gallbladder removals.

  • What is a urologist? Urologists are doctors who deal with diseases of the male reproductive organs and the male and female urinary tract.

What do urologists treat? Urologists may treat kidney stones , urinary incontinence and erectile dysfunction .

Do You Need a Referral to See Specialists?

Whether or not you need a referral to see a specialist depends on your health insurance plan , your doctor or the type of specialist you’re trying to see.

Point of service, or POS, plans and health maintenance organizations, or HMOs, often require a primary care physician to work with your insurer for pre-approval to visit a specialist. The referral also likely needs to be for a specialist within your insurance network. If you’re unsure whether or not you need a referral, check with your insurance company first. Otherwise, your plan may not cover the care and you’ll get stuck with high out-of-pocket costs.

In addition to the patient’s health insurance coverage, symptoms , medical history and diagnostic testing and results, primary care physicians will likely take these factors into consideration when making a referral:

  • Accessibility . It's important for the specialist to be geographically accessible to the patient.
  • Availability . Some specialists can take months to make an appointment with, so referring doctors take their availability into consideration.
  • Coordination of care . When physicians are part of a broader health network, they’ll likely recommend a specialized doctor within the same network. One benefit is shared electronic medical records, which helps streamline follow-up coordination of care.

Patient preferences or needs . Doctors may discuss options with a patient, taking their particular values, personal preferences or individual needs into account to ensure the referral aligns with their goals.

The U.S. News Health team delivers accurate information about health, nutrition and fitness, as well as in-depth medical condition guides. All of our stories rely on multiple, independent sources and experts in the field, such as medical doctors and licensed nutritionists. To learn more about how we keep our content accurate and trustworthy, read our  editorial guidelines .

Cutler is a board-certified family medicine physician at Providence Saint John’s Health Center in Santa Monica, California.

Strange is the chair of medicine at Staten Island University Hospital, a division of Northwell Health, in New York City.

Tags: women's health , men's health , children's health , senior health , health care , family health , doctors , patient advice

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Key benefits of travel medical insurance

  • Travel medical insurance coverage
  • Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

  • Travel medical insurance covers unexpected emergency medical expenses while traveling.
  • Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
  • If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

  • Hospital room and board
  • Inpatient/outpatient hospital services
  • Prescription Drugs
  • COVID-19 treatment
  • Emergency room services
  • Urgent care visits
  • Local ambulance
  • Acute onset of pre-existing conditions
  • Dental coverage (accident/sudden relief of pain)
  • Medical care due to terrorist attack
  • Emergency medical evacuation 
  • Repatriation of mortal remains
  • Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Cheapism

5 Ways to Affordably See a Doctor Without Insurance

Posted: January 27, 2024 | Last updated: January 27, 2024

<p>Healthcare is broken in the U.S. The costs are exorbitant, <a href="https://www.kff.org/uninsured/issue-brief/key-facts-about-the-uninsured-population/">millions remain uninsured</a>, and tens of <a href="https://news.harvard.edu/gazette/story/2009/09/new-study-finds-45000-deaths-annually-linked-to-lack-of-health-coverage/">thousands of Americans die every year</a> because they can’t afford care. That said, there are ways to survive in the U.S. healthcare system, especially if you know where to find low-cost care. We’ll cover five of the cheapest ways to see a doctor without insurance and answer some common questions regarding uninsured care. If your condition is life-threatening, don't wait. Call 911 or go to an emergency room immediately.</p><p><b>Related:</b> <a href="https://blog.cheapism.com/lower-your-medical-bills/">The Secret to Negotiating a Lower Medical Bill</a></p>

Seeking Care

Healthcare is broken in the United States. The costs are exorbitant, millions remain uninsured , and tens of thousands of Americans die every year because they can’t afford medical attention. That said, there are ways to survive in the U.S. healthcare system — especially if you know where to find affordable health care. 

We’ll cover five of the cheapest ways to see a doctor without insurance and answer some common questions regarding uninsured care. If your condition is life-threatening, don't wait. Call 911 or go to an emergency room immediately.

<p><b>Costs: </b>Free to low</p>Community healthcare centers provide primary care to all on a sliding-scale basis, meaning that uninsured patients will pay based on their income. Some low- or no-income patients may even be eligible for a free visit. Services include preventative care, dental cleanings, vaccinations, and even support for mental health, though treatment options will vary by location. To find one of the 1,400 community health centers, <a href="https://findahealthcenter.hrsa.gov/">use this tool</a> from the federal Health Resources and Services Administration’s (HRSA). The National Association of Free & Charitable Clinics also has a <a href="https://nafcclinics.org/find-clinic/">search for free and low-cost healthcare.</a><p><b>Related: </b><a href="https://blog.cheapism.com/states-with-affordable-health-care/">These Are the Worst (and Best) States for Accessing Affordable Health Care</a></p>

1. Community Health Centers

Costs: Free to low

To find one of the 1,400 community health centers, use this tool from the federal Health Resources and Services Administration’s (HRSA). The National Association of Free & Charitable Clinics also has a search for free and low-cost healthcare.

<p><b>Costs:</b> Low to medium</p><p>Urgent care facilities offer low-cost healthcare for patients — both insured and uninsured — with non-life-threatening conditions. According to a <a href="https://www.forbes.com/advisor/health-insurance/urgent-care-cost/">Forbes analysis</a>, the average cost of an urgent care visit can range between $32 and $175, depending on what treatment and lab tests you need. For example, a wellness exam might cost $139, while a few stitches might be $150.</p><p><b>Related: </b><a href="https://blog.cheapism.com/inflation-forces-medical-care-delays/">Inflation Drives Consumers To Postpone Medical Care at Record Rate</a></p>

2. Urgent Care Center

Costs: Low to medium

Urgent care facilities offer low-cost healthcare for patients — both insured and uninsured — with non-life-threatening conditions. According to a Forbes analysis , the average cost of an urgent care visit can range between $32 and $175, depending on what treatment and lab tests you need. For example, a wellness exam might cost $139, while a few stitches might be $150.

<p><b>Costs: </b>Low</p><p>For around $30 to $40, both uninsured and insured patients can receive treatment and virtual, chat-based consultations via <a href="https://clinic.amazon.com/">Amazon’s online clinic</a>. Like the MinuteClinic at CVS, Amazon’s service is perfect for simple, everyday healthcare issues like seasonal allergies, asthma, high blood pressure, COVID-19, and birth control. However, the service is only available in 33 states. If Amazon Clinic isn’t available or can’t treat your illness, consider other telehealth providers.</p><p><b>Related: </b><a href="https://blog.cheapism.com/what-is-amazon-clinic/">Amazon Clinic Lets You Skip the Waiting Room — Here's How</a></p>

3. Amazon Clinic

For around $30 to $40, both uninsured and insured patients can receive treatment and virtual, chat-based consultations via Amazon’s online clinic . Like the MinuteClinic at CVS, Amazon’s service is perfect for simple, everyday healthcare issues like seasonal allergies, asthma, high blood pressure, COVID-19, and birth control. However, the service is only available in 33 states. If Amazon Clinic isn’t available or can’t treat your illness, consider other telehealth providers. And don't forget to learn how to skip the waiting room at Amazon Clinic. 

<p><b>Costs:</b> Low to medium</p>Similar to urgent care centers, walk-in clinics offer affordable healthcare and don’t require an appointment. Many pharmacy chains — such as Walgreens and CVS — have opened their own retail clinics, some of which are even cheaper than urgent care. CVS has a helpful <a href="https://www.cvs.com/minuteclinic/services/price-lists">price list</a> so that patients can find out how much treatment costs before they show up. Nurse practitioners, doctors, and other licensed health professionals at <a href="https://www.cvs.com/minuteclinic">CVS’ MinuteClinic</a> can vaccinate against meningitis ($205), treat bug bites and stings (between $99 and $139), and screen for HIV ($99-$139), among a whole host of other everyday treatments.  <p><b>For more affordable healthcare coverage,</b> <a href="https://cheapism.us14.list-manage.com/subscribe?u=de966e79b38e1d833d5781074&id=c14db36dd0">please sign up for our free newsletters</a>.</p>

4. Walk-In Clinics

Nurse practitioners, doctors, and other licensed health professionals at CVS’ MinuteClinic can vaccinate against meningitis ($205), treat bug bites and stings (between $99 and $139), and screen for HIV ($99-$139), among a whole host of other everyday treatments.

For more affordable healthcare coverage, please sign up for our free newsletters .

<p><b>Costs: </b>High</p>Thanks to the <a href="https://www.cms.gov/regulations-and-guidance/legislation/emtala">Emergency Treatment and Labor Act (EMTALA)</a>, emergency rooms must see all patients regardless of whether they have insurance or can afford treatment. But they aren’t cheap. <a href="https://www.goodrx.com/healthcare-access/patient-advocacy/avoid-er-for-non-emergencies">According to GoodRx</a>, the average cost for a non-emergency visit to the ER is $2,000.

5. Emergency Room (ER)

Costs: High

However, if you are suffering from an emergency medical condition such as chest pain or shortness of breath, you should go to your nearest ER as soon as possible.

<p>Federal healthcare including Medicare and Medicaid could stop operating, leaving millions of Americans stuck with massive medical debts. Other federal benefits related to housing, veterans, nutrition, and even school lunch could also be on the chopping block.</p><p><b>Related</b>: <a href="https://blog.cheapism.com/what-you-need-to-know-about-medicare/">17 Myths and Misconceptions About Medicare</a></p>

Medicare or Medicaid

If your income is low, you’re over 65, or both, then you could qualify for subsidized health insurance from the government. Check to see if you’re eligible at healthcare.gov .

<p><b>How much is a doctor’s visit without insurance?</b></p><p>Prices vary depending on where you go, what type of treatment you need, and your income level. For some low-income individuals, community health centers will be free, while other affordable options could cost from $30 to a couple hundred dollars.</p><p><b>What is the cheapest way to see a doctor?</b></p><p>The cheapest way to see a doctor is to visit a community health center. Or, if you only need basic care, try a low-cost telehealth provider.</p><p><b>How can I lower my medical bills?</b></p>Patients can request payment plans and apply for financial assistance before they receive medical care. Some hospitals even give discounts for those who pay in cash. For more information, <a href="https://blog.cheapism.com/lower-your-medical-bills/">read our piece on negotiating medical bills</a>.

Frequently Asked Questions

How much is a doctor’s visit without insurance?

Prices vary depending on where you go, what type of treatment you need, and your income level. For some low-income individuals, community health centers will be free, while other affordable options could cost from $30 to a couple hundred dollars.

What is the cheapest way to see a doctor?

The cheapest way to see a doctor is to visit a community health center. Or, if you only need basic care, try a low-cost telehealth provider.

How can I lower my medical bills?

This article was originally published on Cheapism

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doctor visit insurance plans

Disability insurance for doctors: the key to protecting your financial future

YouTube video

This article is sponsored by  Pattern . 

Pattern advisor Shelby Heiser discusses how disability insurance is more than a box that doctors need to check—it’s a tool for financial security and peace of mind.

Each physician is unique.

They come from different backgrounds, work in different specialties, and serve an immeasurable amount of patients, each with their own needs.

But every physician has one thing in common: A need to: protect their income .

YouTube video

A mission to empower physicians

Physicians spend years of their lives mastering their specialty, caring for patients, and building a life outside of their work. As fulfilling as all of this can be, it doesn’t leave much time for them to think about our finances.

A recent survey found that 70 percent of physicians – including residents, fellows, and attending – lack the tools for financial success. Doctors face unique financial challenges, including jarring amounts of education debt and delayed earning potential due to our long training periods. These factors can understandably compound feelings of financial insecurity and impede a doctor’s pursuit of financial independence.

This underscores the need for doctors to have a guide when making decisions about their financial future.

Since our founding in 2013, Pattern has helped more than 20,000 doctors shop for disability insurance. Along the way, we’ve developed a keen understanding of the time demands that physicians—especially medical residents—experience.

“We definitely do a more personalized approach here at Pattern,” Shelby explained, highlighting the tailored support offered to physicians.

Before Pattern, doctors would have to spend days or weeks gathering quotes from different carriers and then comparing policies on their own. What sets us apart in the industry today is our commitment to educating doctors first so they can buy their policies with confidence.

With Pattern, you can complete a free quote request in about five minutes. Then, an advisor will compare quotes from five major carriers so you can make an informed decision about your coverage.

Choosing the right coverage

Choosing the right disability insurance can feel overwhelming. Shelby’s role involves demystifying this process for physicians, offering personalized advice that caters to the unique needs of each doctor.

Pattern specializes in a special type of disability insurance – it’s called own-occupation disability insurance .

Think about it like this: If you are a surgeon and develop a hand tremor and can no longer perform surgeries, but you can pursue a career in teaching, you would receive benefits.

“We are physician-focused… This type of disability insurance is where we’re experts,” Shelby said, reflecting on Pattern’s deep understanding of the medical profession and the specific challenges physicians face.

Any-occupation disability insurance is often provided by employers or professional associations but usually offers less tailored coverage and benefits. This type of insurance typically requires that you cannot work in any occupation to receive benefits, a definition that can significantly limit access to your benefits.

“I have reviewed many employer policies and private policies that don’t have that [own-occupation] language. And a lot of times, they’re actually not much cheaper,” Shelby said. “One thing about Pattern that I really like is not only do we take that personalized approach—being a broker, having these meetings, asking the important questions up front—but we are physician-focused.”

Timing is everything

Health risks loom everywhere for physicians, even those early in their careers , so the timing for securing disability insurance couldn’t be more critical.

“The best time to buy disability insurance is as early as possible in your career,” Shelby emphasized.

Specifically, after Match Day during your fourth year of medical school is the ideal time to secure your policy.

The rationale is straightforward — securing lower rates with training discounts and ensuring coverage before any potential health issues arise, safeguarding your financial future.

In fact, doctors who purchased their policy as an attending pay 18 percent more in annual premium-to-benefit amount compared to doctors who purchased as residents.

A culture of caring

Throughout the conversation, Shelby reiterated the vital role of disability insurance in a physician’s life, providing not just financial security but also peace of mind.

As she aptly put it, “It’s really rewarding to know that I’ve helped them secure some financial well-being.”

This reflects the refreshing level of transparency Pattern’s team offers to doctors. When speaking with an advisor, we’ll help you look for any red flags you may have received from other brokers, walk you through how policy costs are calculated , and even tell you if it’s not the right time to buy a policy.

Watch or listen to the full podcast for a wide-ranging conversation that includes topics like:

  • How many doctors have to use long-term disability insurance
  • The right time to buy disability insurance
  • The pitfalls of working with an instant quote website
  • Group policies vs. private policies
  • True own-occupation vs. any occupation policies
  • Common mistakes doctors make when shopping for disability insurance
  • Pattern’s process
  • How physicians can prepare for a meeting with an advisor

Closing thoughts

The call to action for physicians is clear: Do not delay in securing your disability insurance. While seemingly complex, the process is considerably simpler with the right guidance.

Shelby’s parting advice rings true. “Don’t wait until it’s too late,” she said.

As physicians of all stripes navigate their careers, dedicating ourselves to the care of others, it’s imperative that we also take steps to protect our own financial well-being.

We invite you to consider your own situation. Have you secured the disability insurance coverage that you need? Are you prepared for the unexpected? If not, we encourage you to take the first step today. Reach out to the Pattern team today , and we will guide you through this crucial process, ensuring that you, too, can secure your peace of mind and financial security.

Shelby Heiser is an insurance sales advisor at Pattern.

Pattern  simplifies disability and life insurance for busy doctors so they feel confident they have the right policy and that their income is protected.  Request your quotes today .

VISIT SPONSOR → https://kevinmd.com/pattern

SUBSCRIBE TO THE PODCAST →  https://www.kevinmd.com/podcast

RATE AND REVIEW →  https://www.kevinmd.com/rate

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Medicaid & CHIP

The children's health insurance program (chip), see if your children qualify and apply for chip, 2 ways to apply for chip:.

  • Call 1-800-318-2596 (TTY: 1-855-889-4325).
  • Fill out an application through the Health Insurance Marketplace ® . If it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment. When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead.  Create an account  or  log in  to an existing account to get started.

What CHIP covers

  • Routine check-ups
  • Immunizations
  • Doctor visits
  • Prescriptions
  • Dental and vision care
  • Inpatient and outpatient hospital care
  • Laboratory and X-ray services
  • Emergency services

What CHIP costs

A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

Refer to glossary for more details.

The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit.

What if my children are eligible for CHIP, but I would rather buy a Marketplace insurance plan? Open

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Elektrostal

City in moscow oblast, russia / from wikipedia, the free encyclopedia, dear wikiwand ai, let's keep it short by simply answering these key questions:.

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New & Custom Home Builders in Elektrostal'

Location (1).

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Popular Locations

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Professional Category (1)

  • Accessory Dwelling Units (ADU)

Featured Reviews for New & Custom Home Builders in Elektrostal'

  • Reach out to the pro(s) you want, then share your vision to get the ball rolling.
  • Request and compare quotes, then hire the Home Builder that perfectly fits your project and budget limits.

Before choosing a Builder for your residential home project in Elektrostal', there are a few important steps to take:

  • Define your project: Outline your desired home type, features, and layout. Provide specific details and preferences to help the builder understand your vision.
  • Establish a budget: Develop a comprehensive budget, including construction expenses and material costs. Communicate your budgetary constraints to the builder from the beginning.
  • Timeline: Share your estimated timeline or desired completion date.
  • Site conditions: Inform the builder about any unique site conditions or challenges.
  • Local regulations: Make the builder aware of any building regulations or permits required.
  • Land Surveying

What do new home building contractors do?

Questions to ask a prospective custom home builder in elektrostal', moscow oblast, russia:.

If you search for Home Builders near me you'll be sure to find a business that knows about modern design concepts and innovative technologies to meet the evolving needs of homeowners. With their expertise, Home Builders ensure that renovation projects align with clients' preferences and aspirations, delivering personalized and contemporary living spaces.

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  6. Health Insurance Explained

COMMENTS

  1. Health Insurance Guide: Plan Types, Eligibility, and Costs

    Medicaid provides free or low-cost health insurance to low-income families and children, pregnant women, older adults, and people with disabilities. All but 12 states have expanded eligibility to adults earning up to 138% of the federal poverty limit under the Affordable Care Act (ACA). CHIP offers low-cost health coverage for children in ...

  2. How Much Does a Doctor Visit Cost With and Without Insurance?

    Doctors check height, weight, sleep patterns, diet, and the vaccines required by public schools. The range for a yearly physical can be anywhere from $100 to $250 or more without insurance. A CVS Minutecare Clinic may charge just $59 for a sports physical, but not all organizations will accept this as proof of physical health.

  3. Individual & Family ACA Marketplace plans

    We offer a variety of Individual & Family ACA Marketplace plans that are classified into 5 plan categories. Within these categories, "metal" levels tell you how costs are divided between you and UnitedHealthcare. High-deductible plans with basic coverage for serious illness or injury. Pay a low $04 monthly premium, but more when you get care.

  4. Quality care by phone, video, or app

    Connect to a doctor in minutes by phone or video. Millions of people have Teladoc through their health insurance. Set up your account and see if you're covered. Teladoc is covered by most major insurers. Set up your account to see your discounted pricing. 24/7 access to U.S.-licensed doctors by phone or video.

  5. Your health insurance guide: Compare plans & shop online

    Health insurance basics. Health insurance doesn't always cover 100% of your costs. In fact, it's designed to split the costs of medical care with you up until a certain point, called the out-of-pocket limit. After you hit the out-of-pocket limit, health insurance will pay 100% of your health care costs and medical bills.

  6. How to Use Your Health Insurance

    Health insurance helps pay for your health care. It can help cover services ranging from routine doctor visits to major medical costs from a serious illness or injury. It also covers many ...

  7. Your total costs for health care: Premium, deductible, and out-of

    Your total costs for the year include your plan's: Monthly premium x 12 months: The amount you pay to your insurance company each month to have health insurance. Copayments and coinsurance: Payments you make to your health care provider each time you get care, like $20 for a doctor visit or 30% of hospital charges.

  8. Health insurance plans & prices

    You can enroll or change plans only if you have certain life changes, or qualify for Medicaid or the Children's Health Insurance Program (CHIP). Enter your ZIP Code & choose your location: Enter ZIP code. Results will populate while searching. Use up and down arrow keys to navigate. Press Enter key to select.

  9. When does Medicare cover doctor visits?

    Beyond that, Medicare Part B covers 80% of the Medicare-approved cost of medically necessary doctor visits. The individual must pay 20% to the doctor or service provider as coinsurance. The Part B ...

  10. Best Short-Term Health Insurance Companies

    Everest offers plans with a $2,500 deductible and $50 copays for doctor visits (the doctor can be out-of-network). The plans we researched ranged in price from about $57 to $172 dollars per month. The coinsurance is 20%, and the out-of-pocket limit is $7,500. There's no application fee, but there is a waiting period of five days.

  11. High Deductible Health Plans: Your Complete Guide To HDHPs

    An HDHP can be any type of health insurance plan, including a preferred provider organization ... You reach the $2,000 annual deductible after a few visits to the doctor and an outpatient visit.

  12. Back to Basics: What to Know About Basic Health Insurance

    Under this law, all Obamacare plans include coverage for ten essential health benefits you'd expect - including emergency services, doctor visits, rehabilitation, maternity, and more. Many plans encompass this basic health coverage — including private insurance, job-based plans, and Medicare — but you are not automatically enrolled. You ...

  13. Is a high-deductible health plan right for you?

    A high-deductible health plan can make sense for you if: You're healthy and rarely get sick or injured. You have no existing medical conditions. You can afford to pay the high deductible out of your pocket if an unexpected medical expense arises. You want to be eligible for the tax advantages of an HSA.

  14. Consumers beware: Not all health plans cover doc visits before

    Some of Cigna's plans, for example, allow in-network visits with primary care doctors before the deductible is met, typically for a $30 to $45 copayment, while others do not. "We structured ...

  15. Does Medigap Plan G Pay Doctor Visits?

    Here are just a few types of doctor visits Plan G covers. Primary Care Visits: Routine visits to your primary care physician for general health check-ups, ... Get Medigap Plan G Help from Bobby Brock Insurance. Plan G offers a nice blend of comprehensive coverage, financial predictability, and flexibility, making it an appealing choice for many ...

  16. VISIT® Travel & Medical Insuranc

    What IS Covered by VISIT® Plan E Plus? Medical Expenses - $100,000 per each accident or illness. Plan E Plus provides coverage for Accidents & Illness and medical emergencies. Your Plan will cover visits to a Doctor, Specialist, Minute Clinic, Urgent Care, Emergency Room and Hospital, as well as associated X-rays, Lab work and Prescriptions.

  17. Types of Doctors and Medical Specialists: Which One Should You See?

    Point of service, or POS, plans and health maintenance organizations, or HMOs, often require a primary care physician to work with your insurer for pre-approval to visit a specialist.

  18. Travel Medical Insurance: Your Guide to Staying Protected on Trips

    Urgent care visits; Local ambulance; Acute onset of pre-existing conditions; ... Choosing the right travel medical insurance. Even the best-laid travel plans can go awry. As such, it pays to ...

  19. 5 Ways to Affordably See a Doctor Without Insurance

    PhD in Nutrition · 11 years of experience · Brazil. A glass of blueberries a day seems to be related to cardiovascular protection. You can consume 22 grams of frozen blueberries too, and if ...

  20. Disability insurance for doctors: the key to protecting your financial

    This underscores the need for doctors to have a guide when making decisions about their financial future. Since our founding in 2013, Pattern has helped more than 20,000 doctors shop for disability insurance. Along the way, we've developed a keen understanding of the time demands that physicians—especially medical residents—experience.

  21. Children's Health Insurance Program (CHIP) Eligibility Requirements

    2 ways to apply for CHIP: Call 1-800-318-2596 (TTY: 1-855-889-4325). Fill out an application through the Health Insurance Marketplace ®. If it looks like anyone in your household qualifies for Medicaid or CHIP, we'll send your information to your state agency. They'll contact you about enrollment.

  22. Victor MUKHIN

    A 'read' is counted each time someone views a publication summary (such as the title, abstract, and list of authors), clicks on a figure, or views or downloads the full-text.

  23. Elektrostal

    Elektrostal , lit: Electric and Сталь , lit: Steel) is a city in Moscow Oblast, Russia, located 58 kilometers east of Moscow. Population: 155,196 ; 146,294 ...

  24. JSC "Elektrostal Heavy Machine Building Plant". Stand N5730

    JSC "Elektrostal Heavy Machine Building Plant". Stand N5730. Metal-Expo'2005, the 11th International Specialized Exhibition

  25. New & Custom Home Builders in Elektrostal'

    Search 1,121 Elektrostal' new & custom home builders to find the best custom home builder for your project. See the top reviewed local custom home builders in Elektrostal', Moscow Oblast, Russia on Houzz.