You can get emergency medical insurance to cover you for medical treatment if you have an immediate need. You may not be covered if you are admitted to an outside-of-network facility. Even though the hospital outside of your network doesn't require you to have insurance approval, there are still rules and deductibles.
Catastrophic insurance coverage
Catastrophic insurance plans pay for emergency medical bills in case of a catastrophe. These policies will pay for your covered medical costs up until the deductible amount. However, if you are hospitalized, or need to have surgery, the catastrophic policy will cover the entire cost. In addition to emergency coverage, such plans include free preventive care and primary care visits.
For those who do not have major medical coverage, catastrophic coverage for emergency insurance can be a good choice. Catastrophic plans can be affordable and usually require lower monthly premiums. Although they have higher deductibles than traditional medical insurance, they are usually less expensive. These policies are best for those who don't have the income or are uninsured.
Catastrophic medical insurance for travel
If you are looking for affordable travel medical insurance, a catastrophic policy might be the best option. These plans are great for protecting yourself against the worst. They have high deductibles and low monthly premiums. However, it's important to note that you'll have to pay all the medical costs until you've met your annual deductible, which is usually a few thousand dollars.
A catastrophic travel medical plan might be an affordable option, but it is not for everyone. Basic catastrophic plans don't cover chronic illnesses and are limited to emergency coverage. Senior citizens who require regular medical supervision may not find them suitable. They may not include preventive care services such as annual checkups.
Temporary nonimmigrant cover
Non-immigrant students and temporary non-immigrant citizens of the U.S. can have emergency medical coverage. It will cover any medical emergency for which the patient requires emergency medical treatment. Preventive care is not covered by the policy. You should apply for pre-approval if you are uncertain about your eligibility. This will allow you to receive a pre-approval letter up to 12 months in advance. To apply, click here or call 311 for details. Additionally, you will need proof of identity, income and residency in the State.
Additionally, some temporary non-immigrants may be eligible for Medicaid emergency care. They will need proof of their immigration status by the USCIS. You can still receive emergency medical care even though your documents are expired.
With emergency medical insurance, cost-sharing
In the event that you need emergency medical care but don't have the appropriate insurance coverage, you may have to pay out-of-network fees. This applies to emergency treatment, hospitalization and emergency department services. Emergency room costs include the hospital bill and bills from doctors and other providers who are not in-network. It also applies to in-hospital services provided by doctors who are not in-network, such as anesthesia and pathology.
Most health plans have some form of cost-sharing, or out-of-pocket costs. These costs will vary depending upon the type of insurance and the service. Typically, cost-sharing is structured in a form of copayment, coinsurance or deductible. Copayments and deductible amounts are outlined in the policy, and some plans require you to pay a copayment for emergency room visits.